If you’re ready to advance your education, we’re ready to help with flexible, affordable graduate school loans.
A graduate degree can set you apart in the job market and get you closer to the career you want. Whether you want to teach or get a masters or doctorate in another specialty, our Citizens One Student Loan® for Graduate Students can help you get there. Take a look at our competitive interest rates and flexible repayment options below.
No. Private student loan borrowers DO NOT need to submit a FAFSA. Simply complete the online Citizens One Student Loan application to apply.
You may borrow up to the maximum qualified loan amount or the total cost of education, whichever is lower. Our student loan does have lifetime aggregate limits (including both federal and private loan debt) of:
Yes. Our Citizens One Student Loan can be used to help pay for your indirect costs while you are enrolled in school. The maximum you can borrow each year is determined by your individual school through loan certification.
All you need to do is fill out the quick and easy online application. Before you apply, make sure you have the following items available so you can easily complete your application:
Remember, students are encouraged to apply with a qualified co-signer to increase their chances of approval and receiving the lowest rate possible.
The Citizens One Student Loan and Citizens One Student Loan for Parents have no origination, application, or disbursement fees.
We will need to see a reasonably strong credit history, which is derived from your credit score. If you do not have a sufficient credit history, you should apply with a creditworthy co-signer.
The Citizens One Student Loan is a credit-based loan which will be seen as an inquiry on the applicant’s credit report.
With our new multi-year approval, qualified borrowers can now lock in terms to reserve the loan for multiple years.3 As the only national lender to offer this option, we’re committed to staying with you all the way to graduation day.
If you apply for a private student loan on your own, without a co-signer, and are denied, it may be because you have an insufficient personal credit history, which is typical for a student. If you are denied, you can add a qualified co-signer to increase your chances of approval and receiving the lowest rate possible.
There’s no prepayment penalty.
Need more information on using private graduate student loans? Visit our student loan FAQs or talk to a Student Lending Specialist at 1-888-333-0256.