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Student Loans

You're ready to find your path.
We're ready to fund it.

Rates as low as
#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentUndergraduateVariable|DisclosureAttribute=APRMin# APR Variable
#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentUndergraduateFixed|DisclosureAttribute=APRMin# APR Fixed

You're ready to find your path.
We're ready to fund it.

Rates as low as
#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentUndergraduateVariable|DisclosureAttribute=APRMin# APR Variable
#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentUndergraduateFixed|DisclosureAttribute=APRMin# APR Fixed

You're ready to find your path.

We're ready to fund it.

Rates as low as

#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentUndergraduateVariable|DisclosureAttribute=APRMin# APR Variable

#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentUndergraduateFixed|DisclosureAttribute=APRMin# APR Fixed

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Student Loans Built for You

A private Citizens One Student Loan lets you choose from competitive fixed and variable rates, and repayment options that give you the freedom to pay back your loan on your schedule. With Multi-Year Approval, you’ll know 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 the upcoming school year.
Learn More

Are you a parent? Check out our loan options for parents.

  • Fixed Rates

    #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentUndergraduateFixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentUndergraduateFixed|DisclosureAttribute=APRMax# APR

    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=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentUndergraduateVariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensone|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentUndergraduateVariable|DisclosureAttribute=APRMax# APR

    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

  • 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

  • Affordable

    Low rates
    to save you more

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

    View our rates

  • 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.

Undergraduate Student Loan Features

  • Repayment

    Choose from 5 , 10 and 15-year terms. You also get the option to make full or interest-only payments in school, or defer payments until after graduation. You can defer payments for up to 8 years while in school (Note: Interest will accrue during any periods of deferment). View our repayment examples.

  • Eligibility

    • U.S. citizens or permanent residents. International students can apply with a creditworthy U.S. citizen or permanent resident cosigner
    • The student must be enrolled at least half time in a degree-granting program at an eligible institution
    • Have good credit or have a qualified cosigner
    • Have attained the age of majority in your state of residence or if you have not met the age of majority in your state of residence, a cosigner will be required
    • Have no prior student loan defaults
  • Loan Amounts

    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:

    Minimum: $1,000
    Undergraduate Maximum: $150,000

3 Easy Steps to Apply

Getting your undergraduate degree takes time; applying for a loan with Citizens 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. You also have the option to add a cosigner, which may increase your likelihood of approval, and getting the most favorable rate.


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 and your cosigner (if applicable) will sign and accept your loan documents electronically.

Learn More About Student Loans

Getting a loan is a big deal. So before you sign anything, take some time to learn more by reading the information below.

  • 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
    • Cosigner name and valid email address (if applicable)
  • I received my financial aid award letter, but still owe money to the school. Are there other loans available?
    Yes, our Citizens One Student Loan®. In general, private loans allow you to borrow what you need to cover a gap after federal aid. These loans are credit based, so most students will require a creditworthy cosigner, such as a parent or legal guardian, to be approved.
  • What is Multi-Year Approval?
    Citizens One is committed to staying with you all the way through graduation. Multi-Year Approval provides an easy way to secure funding for additional years in school, without needing a hard credit inquiry for subsequent applications in those later years. When you apply, you will be presented with the total amount you are eligible to borrow for all the years you are in school. If approved, you will be notified after you have submitted your application. This feature is available for both Citizens One Student Loan® and Citizens One Student Loan® for Parents. Please note: International students are not eligible for Multi-Year Approval.
  • Can a private student loan help pay for my books and my personal expenses while I'm at school?
    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.
  • Is there a loan my parents can take out for my education?
    We offer the Citizens One Student Loan® for Parents, which enables parents to borrow a private student loan to help cover the cost of college without adding the burden of debt to the student. With no origination fee, this could be a better alternative to the Federal PLUS Loan for qualified applicants.

Speak with a Student Lending Advisor

Mon – Fri: 8:00 am – 9:00 pm ET
Sat: 8:30 am – 5:00 pm ET
Sun: 9:00 am – 2:00 pm ET

Want to learn more? See all of our FAQs.

Student Loan Calculators

Questions? Ask a Citizen.
Questions? Ask a Citizen.