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Student Loans

You're made ready to move on to
your next goal.

Rates as low as
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#ProductLine=Edfi|Brand=citizensone|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# APR Fixed

You're made ready to move on to
your next goal.

Rates as low as
#ProductLine=Edfi|Brand=citizensone|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# APR Variable
#ProductLine=Edfi|Brand=citizensone|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# APR Fixed

You're made ready to move on to

your next goal.

Rates as low as

#ProductLine=Edfi|Brand=citizensone|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# APR Variable

#ProductLine=Edfi|Brand=citizensone|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# APR Fixed

Calculate My Rate

You’re ready for some extra money

People can save an average of $2,892 per year when they refinance their federal and private loans with Citizens One. That’s a couple hundred bucks each month you could put towards turning a passion into a business, starting a family, getting married, or moving into a new home. You could reduce your monthly payment, lower your interest rate, remove a co-signer, and more. Get started today and see how much you could save.

Parents, we have refinancing options for you, too.

  • Fixed Rates

    #ProductLine=Edfi|Brand=citizensone|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensone|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allfixed|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=citizensbank|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allvariable|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

  • Affordable

    Low rates to save 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

    With the option to select 5, 7, 10, 15 or 20 year terms, you could lower your monthly payment and give yourself more room in your budget.

  • Convenient

    Single monthly payment

    Combine all your federal and private loans into one loan, allowing you to save time and make one low monthly payment to one lender.

Student Loan Refinancing Features

  • Repayment

    Choose from 5, 7, 10, 15 and 20-year repayment periods, depending on your budget. After making 36 consecutive on-time payments of principal and interest, a borrower may apply to release the cosigner from their Loan.

    View our repayment examples.

  • Eligibility

    • At least $10,000 in student loans to refinance
    • US Citizens, permanent residents and resident aliens with a valid U.S. Social Security Number can apply
    • Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school
  • Loan Amounts


    $300,000 (Bachelor's degree or below)
    $500,000 (Graduate degree)

3 Easy Steps to Apply

You’re busy. We get that. So, we’ve made applying for the Education Refinance Loan fast and easy. You can do it in 15 minutes with 3 easy steps.

Currently, federal loans are not assessed interest charges and payments have been suspended until 12/31/20. Please consider current and potential future benefits on your federal loans when selecting the loans you wish to refinance now. Learn more
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 Refinancing Student Loans

Wondering if refinancing is right for you? Here is some information to assist you.

  • What information will I need to get my rate?
    You will need the following personal information in order to find out your rate and savings:
    • Name
    • Address
    • Date of Birth
    • Social Security Number
    • Email Address
    • Phone Number
    • Total Amount to Refinance
    • Total Current Monthly Payments
    • Total Current Monthly Income
    • Total Current Monthly Rent or Mortgage Payment
  • Will getting my rate have an impact on my credit score?
    Selecting "Calculate My Rate" only requires a "soft credit pull" which does not affect your credit score. Submitting a full application results in an inquiry on your credit report.
  • Which loans can I include in my refinancing?

    You can include any student loan debt used for financing your education (for example, Citizens One Student Loans, other private student loans from other lenders, or your federal loans like Federal Direct PLUS or Stafford loans). You cannot include any other debt (for example, credit card or mortgage), even if it was used to pay education expenses. Other non-collegiate loans are also ineligible, such as primary school (K-12) and college prep loans.

    You may also be able to refinance your student loan debts, even if you previously consolidated them into a single loan.

    Our application has a list of the most common loan servicers; however, you may submit loans for which the servicer is not on our list. When we review your application, we will review whether loans from that servicer may be refinanced.

  • Do you offer cosigner release for the Education Refinance Loan?
    Borrowers may apply for cosigner release after making 36 consecutive on‑time payments of principal and interest. When applying for cosigner release, a credit review will be performed to ensure the borrower meets certain credit and eligibility guidelines for holding the loan on their own. For the purpose of cosigner release, on‑time payments are defined as being made within 15 days of their due date. Borrowers who use deferment or forbearance will need to make 36 consecutive on‑time payments after reentering repayment to qualify for release. Borrowers must complete an application for release and provide income verification documents as part of the review. Those interested can request an application for release by calling our trusted servicing partner, Firstmark Services, at 866‑259‑3767.
  • Am I eligible to refinance?
    • The student loans you refinance must be in repayment and you cannot currently be attending school. If you are currently enrolled in school and are seeking additional financing, please consider the Citizens One Student Loan.
    • You must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number, residing in the United States. Resident aliens must apply with a co‑signer who is a U.S. citizen or permanent resident.
    • You must have at least $10,000 in student loans to refinance.
    • Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school.

    For more information about eligibility requirements, speak to a Student Lending Specialist.

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

Estimate My Savings

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