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                  Student Loan Refinancing
                  for Parents

                  You've given your children a brighter future.
                  Now give yourself one.

                  Rates as low as

                  #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# APR Variable1

                  #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# APR Fixed1

                  Get My Rate

                  One Affordable Loan for All Your Kids' Education Loans

                  Sending your children to college is a parent’s dream. Paying multiple high-interest loans for multiple children can be a financial nightmare. With a Citizens Bank Education Refinance Loan for Parents, you could save up to 3.63%2 on your interest rate while consolidating into one affordable payment.

                  • Fixed Rates

                    #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMax# APR1

                    Your interest rate will remain constant over the life of your loan and your monthly payment amount will remain the same.

                    Rate and Repayment Examples
                  • Variable Rates

                    #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMax# APR1

                    Get a potentially lower rate and lower monthly payments. The interest rate will fluctuate monthly, and therefore, your monthly payment amount will vary over time.

                    Rate and Repayment Examples

                  3 Reasons to Choose Citizens Bank

                  • Lower Rates - Discounts of up to .50%

                    Lower rates

                    Discounts of up to 0.50%3

                    With our competitive rates and discounts of up to 0.50%3, you could trim your interest rate as much as 3.63%2 on a Federal Parent PLUS Loan.

                    View our rates

                  • Lower payments - Payments on your terms

                    Lower payments

                    Payments on your terms

                    With our low rates and flexible terms of 5, 7, 10, 15 or 20 years, you may be able to lower your monthly payments, giving you more room in your budget.

                  • Time savings and convenience - A single payment

                    Time savings
                    and convenience

                    A single payment

                    Let us help you combine all your loans, including Federal Parent PLUS, private, and student loans you cosigned – for all your children – into one loan and payment. You can even refinance loans you haven’t yet begun to pay4.

                  Student Loan Refinancing for Parents Features

                  • Repayment

                    Choose from 5, 7, 10, 15 and 20-year repayment periods, depending on your budget.

                    View our repayment examples.

                  • Eligibility5

                    • At least $10,000 in student loans to refinance
                    • US Citizens, permanent residents and resident aliens with a valid U.S. Social Security Number can apply
                    • The primary applicant must be the primary borrower or co-signer on the loan to be refinanced.
                  • Loan Amounts

                    Minimum: $10,000

                    Maximum: $500,000

                  3 Easy Steps to Apply

                  You’re busy. We get that. So, we’ve made applying for the Education Refinance Loan for Parents fast and easy. You can apply in 3 easy steps.
                  Apply Now


                  Complete the online application

                  Apply from your computer or mobile device*.


                  Select your rate and terms

                  Choose a fixed or variable rate and a term of
                  5, 7, 10, 15 or 20 years.


                  Sign and accept.

                  You will be asked to sign and accept your loan documents electronically.

                  Learn More About Refinancing Student Loans

                  Wondering if refinancing is right for you? Here is some information to assist you. Of course, if you have any additional questions, you’re always welcome to Ask a Citizen.

                                  Want to learn more? See our FAQs section.

                  Speak with a Student Lending Advisor

                  Mon – Fri: 8:00 am – 9:00 pm ET
                  Sat: 8:30 am – 5:00 pm ET

                  Helpful Tools

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