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Student Loans & Refinancing

Get the help you need to pay for your education.

Student Loans to Fit Your Life — and Budget

3 Reasons to Choose Citizens One

  • Easy

    Multi-Year Approval*

    Multi-Year Approval is a simple way to secure money for school, from orientation to graduation, with just one application.

    Learn More

  • Flexible

    Payments on your schedule

    Choose how and when you want to pay with options to make full (principal and interest) or interest-only payments in school. Students have the option to defer payments until after graduation.

  • Affordable

    Competitive rates
    and no origination fees

    Reduce your competitive rates by 0.50%1 with our loyalty and auto payment discounts plus save with no application, origination, or disbursement fees.



Citizens One Student Loans
Questions? Ask a Citizen.
Questions? Ask a Citizen.

1-888-333-0256

* Multi-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, we may refuse to allow you to take out additional loans under the Multi-Year Approval feature, terms and conditions will be outlined in your promissory note. Please Note: International Students and Bar Study Loans are not eligible for Multi-Year Approval.

1Interest rate reduction of up to 0.50 percentage points is possible with the following discounts:

Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their cosigner (if applicable) has a qualifying account in existence with us at the time the borrower and their cosigner (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, 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.

Automatic 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.