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Student Loans for Parents

A brighter future for your child doesn't have to mean a harder one for you.

Rates as low as

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Get Started

Loans to Help Your Family — and Your Budget

Help your children manage up to 100% of college costs — without sacrificing your future — with the help of a Citizens One Student Loan® for Parents. With offer loans with Multi-Year Approval2, so you’ll know upfront how much money we will lend you across multiple years of college. In year two and beyond, the application is simplified, such that after a soft credit check, you can request your funds for your child’s upcoming school year.
Learn More

Considering student loans instead? Check out our undergraduate loan options for students.

  • Fixed Rates

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    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=citizensone|ProductSet=trufitParentProductSet|Disclosure=disclosure|DisclosureName=parentVariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensone|ProductSet=trufitParentProductSet|Disclosure=disclosure|DisclosureName=parentVariable|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 One

  • Affordable

    Low rates to
    save you more

    Lower our competitive rates by 0.50%3 with our loyalty and auto payment discounts plus save with no application, origination, or disbursement fees.

    View our rates

  • Easy

    Multi-Year Approval2

    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 terms

    Whether you are a parent or student looking for a new loan or to consolidate existing ones, Citizens has options to fit your needs — and budget.

Student Loan for Parents Features

  • Repayment

    Choose from 5, and 10-year terms. You also get the option to make full or interest-only payments in school. View our repayment examples.

  • Eligibility4

    • Applicant (parent or sponsor) must be a U.S. citizen or permanent resident
    • Student must be enrolled at least half-time in a degree-granting program at an eligible institution
  • Loan Amounts

    Minimum: $1,000

    Maximum: $350,000

3 Easy Steps to Apply

Getting a degree takes time; applying for a Citizens One Student Loan® for Parents doesn’t. You can do it in 15 minutes with these 3 easy steps.
Get Started

1

Complete the online application

Apply from your computer or mobile device.*

2

Select your rate and terms

Choose a fixed or variable rate, the loan term, and how and when you want to repay the money.

3

Sign and accept.

You will sign and accept your loan documents electronically.

Learn More About our Student Loans for Parents

Wondering if the Citizens One Student Loan® for Parents makes sense for you?
The information below can help you decide.

  • What do I need to apply?

    To complete your application, you must have the following information:

    • Name, address, phone number, email address
    • Date of birth
    • Social Security Number
    • Recent pay stub (no more than 30 days old) or other proof of income and monthly housing payment
    • Employer name, phone number and length of employment (if applicable)
    • Name of school the student plans to attend
    • Cost of attendance and any financial aid received (see award letter from your school)
    • Student's anticipated graduation date, loan period and loan amount needed
  • Are there any fees to apply for Citizens One Student Loans?
    The Citizens One Student Loan® and Citizens One Student Loan® for Parents have no origination, application, or disbursement fees.

Want to learn more? See all of our FAQs.


Speak with a Student Lending Advisor
1-888-333-0256


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

Student Loan Calculators



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