Citizens One is committed to staying with you all the way from orientation to graduation. Multi-Year Approval provides an easy way to secure funding for additional years in school, without needing a hard credit inquiry for subsequent loan requests in those later years. When you apply for a loan, our team will determine if you are eligible for the Multi-Year option. If you are approved for Multi-Year, you will be notified and presented with the total amount you are eligible to borrow for all the years you are in school. This feature is available for both Citizens One Student Loan® and Citizens One Student Loan for Parents®. You will be notified after your application has been submitted if applicable. Please note: International students are not eligible for Multi-Year Approval.