Citizens Student Loan™

Student Benefits

Fixed Rates: 3.49% APR – 15.49% APR¹

Variable Rates: 4.99% APR – 15.51% APR¹

Automatic Payment² and Loyalty Discounts³

Get your rate in about 2 minutes⁴

4x more likely to be approved by applying with a qualified cosigner⁵

Multi-Year Approval with a single application⁶

No Application or Origination Fees

Cover up to 100% of school-certified costs

Real people ready to answer your questions

Eligibility

U.S. citizens or permanent residents. International students can apply with a creditworthy U.S. citizen or permanent resident cosigner.

The student must be enrolled at least half-time in a degree-granting program at an eligible institution. Half-time enrollment is typically 6-8 credit hours per semester and varies by school. Please consult your school’s financial aid office for details.

Have good credit or have a qualified cosigner.³

Have attained the age of majority in your state of residence or if you have not met the age of majority in your state of residence, a cosigner will be required.

Have no prior student loan defaults.

Citizens Student Loan™

Fixed APR 3.49% - 15.49%¹

Variable APR 4.99% - 15.51%¹

Cosigner Recommended

Apply Now

Featured Lender

Get your rate in about 2 minutes⁴
4x more likely to be approved by applying with a qualified cosigner⁵
No Application or Origination Fees

¹Student Loan Rate Disclosure: Variable interest rates range from 4.99% - 15.60% (4.99% - 15.61% APR). Fixed interest rates range from 3.99% - 15.60% (3.99% - 15.61% APR).

²Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.

³Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: personal checking, personal savings, personal credit card or previous student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

⁴Get My Rate: Selecting “Get My Rate” only requires a "soft credit pull" which does not affect your credit score. Submitting a full application will result in an inquiry on your credit report.

⁵Citizens Undergraduate Booked Loans from 10/1/2023 through 9/30/2024 were 4 times more likely to be approved with a qualified cosigner.

⁶Multi-Year Approval: Funds available for future use are subject to a soft credit inquiry at time of your next request to verify continued eligibility. After we make the initial Loan to you, you must continue to meet eligibility criteria to obtain additional funds under the Multi-Year Approval feature. Terms and conditions are outlined in the promissory note. Multi-Year Approval borrowers have a 99% approval rate on future requests for additional funds. The additional funds approval rate is based on the percentage of approved Multi-Year borrowers from Citizens between October 1, 2023 and October 1, 2024. The approval rate represents only borrowers who had previously accepted the Multi-Year Approval offer. Please Note: International students are not eligible for Multi-Year Approval.

Information advertised valid as of 05/01/25. Rates and offer subject to change. All accounts, loans and services subject to individual approval.

Disclaimers

¹Student Loan Rate Disclosure: Variable interest rates range from 4.99% - 15.60% (4.99% - 15.61% APR). Fixed interest rates range from 3.99% - 15.60% (3.99% - 15.61% APR).

⁵Citizens Undergraduate Booked Loans from 10/1/2023 through 9/30/2024 were 4 times more likely to be approved with a qualified cosigner.

Information advertised valid as of 05/01/25. Rates and offer subject to change. All accounts, loans and services subject to individual approval.