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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


Complete the online application

Apply from your computer or mobile device.*


Select your rate and terms

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


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

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.