To learn more, please visit: CitizensOne.com Enter a Zip Code Return to our homepage × The student must be enrolled at least half-time in a degree-granting program at an eligible institution. © Copyright 2020 Citizens Financial Group, Inc. All rights reserved. The zip code you entered is served by Citizens One, the brand name for Citizens Bank's lending business outside of our 11‑state branch footprint. This verification process may require you to provide supporting documentation, including verification of income such as bank statements, paycheck stubs, W-2 forms, tax returns or divorce documents. Undergrad Student Loan. STUDENT LOAN SAVINGS: Origination fee savings of $779 are calculated using the Federal Direct Plus Loan origination fee of 4.228% (for loans first disbursed between 10/1/20 and 9/30/21) and an average amount financed of $18,422 as compared to the Citizens Parent Loan, which has no origination fees. Citizens Bank offers student loan refinancing for both students and parents. The parent loan comes with slightly limited repayment terms, with only the 5-year and 10-year options available. To learn more, please visit: † For additional information, please click the † symbols throughout this page to view our student lending disclosures. This does not include any federal loans you may be eligible to receive. Choose a fixed or variable rate, the loan term, and how and when you want to repay the money. In addition, when you refinance a federal student loan, you waive any current and potential future benefits of your federal loans and replace those with the benefits of the Education Refinance Loan. Federal laws and regulations require us to request information from you prior to taking out a student loan or adding a cosigner. Citizens Bank Student Loan Reviews. Older Americans over 60 owe over $86 billion in student debt.. Although Citizens Bank student loans have a number of pros, they also have some disadvantages when compared to federal student loans. COVID-19: The well-being of our customers and colleagues is our top priority. Personalize your experience by providing your ZIP Code. The parent loan comes with slightly limited repayment terms, with only the 5 … The zip code you entered is served by Citizens One, the brand name for Citizens Bank's lending business outside of our 11‑state branch footprint. #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|productName=TruFit|rateType=Fixed|repaymentType=InterestOnly|loanType=Undergraduate|term=10|basedOn=10,000|ProductAttribute=loanOptions::repaymentExample::min::interestOnlyPayment#, #Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=|TargetElementId=|Key=Personalize your experience.#, #Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=|TargetElementId=|Key=Your Location:#, #Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=|TargetElementId=|Key=Change Your Location#, #Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=|TargetElementId=|Key=Find a Branch/ATM#, #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=Copyright Date#, Paycheck Protection Program Loan Forgiveness. Multi-year approval. Please visit our Student Loan Overview page to get access to any of our student loan products: Undergraduate, Graduate, MBA, Law, Health Professions, or Parent Loans. If you are currently enrolled in school and are seeking additional financing, please consider the Citizens Bank Student Loan. Learn about our student lending options, including college and graduate school loans, refinancing and consolidation, and tips on how to pay for college. Find the student loan that meets your needs. 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. Can a private student loan help pay for my books and my personal expenses while I'm at school? Our financial services for healthcare professionals are designed to reward that effort with education refinance savings, mortgage benefits, and more. After 25 years on the program, any remaining debt is forgiven. Easy ways to help improve your access to credit. Although Citizens Bank student loans have a number of pros, they also have some disadvantages when compared to federal student loans. The Citizens Bank Student Loan for Parents is an alternative or private student loan issued by Citizens Bank, N.A., whereas the Federal Direct PLUS Loan is issued by the federal government. Read our review of Citizens Bank student loan refinancing. For your security, your session will expire in 5 minute(s) due to inactivity. Why do Citizens Bank Student Loans stand-out? Citizens Bank student loan refinancing. The Citizens Bank Student Loan provides private student loans up to $100,000. In order to be eligible, you must be enrolled in school at least half-time. Citizens Bank says it takes an average of two to four weeks to get approved for a student loan. Assumption: Citizens One Student Loan repayment examples assume a $10,000 loan in the first year of school with two equal disbursements, the repayment term and interest rate type selected above, and is based on an application with a borrower and a co-signer. We are also required to verify the information you provide to us. Older Americans over 60 owe over $86 billion in student debt.. Choose from 5 , 10 and 15-year terms. Read our review of Citizens Bank student loan refinancing. Citizens Bank is a full-service commercial bank, so it’s possible to access other financial products and services, such as checking and savings accounts, mortgages, personal loans, credit cards, and more, in addition to student loans. Military Benefits. Existing Applications / Login Access your existing applications, request additional funds, or complete remaining steps in the process. A customizable financing solution to deliver what you want and your customers need at the point of sale. If you’ve improved your credit since you took out your current student loan, you could save by replacing it with a new loan that has a lower interest rate, better repayment terms — or both. If you are approved and decide to accept the loan, you and your cosigner, if applicable, will be required to review and sign your Application and Promissory Note as well as complete a Self-Certification Form which we will provide to you. In general, Citizens Bank student loans are aimed at graduates who have had some time to build up their credit and develop a stable work history who are now looking to leverage those things in order to refinance their student loans. Student loan debt is not just a problem for Millenials. Looking for an Education Refinance Loan instead. The zip code you entered is served by Citizens One, the brand name for Citizens Bank's lending business outside of our 11‑state branch footprint. Make interest-only payments while enrolled, full payments begin 6 months after leaving school or dropping below half-time status. One deposit of any amount each statement period waives the monthly maintenance fee. The maximum you can borrow each year is determined by your individual school through loan certification. Learn about our student lending options, including college and graduate school loans, refinancing and consolidation, and tips on how to pay for college. To complete your application, you and your cosigner (if applicable) will need the following: Pay stub (no more than 30 days old) or other proof of income and monthly housing cost (rent, mortgage, other). We're ready to fund it. Actual rates and payment information may vary based on applicable terms. Download the newest version of Microsoft Internet Explorer. Purchase, refinance, or renovate your owner-occupied commercial property. Many of them are paying a mountain of student debt as they're not only paying back their loans, but also the loans they borrowed or cosigned for on behalf of their children. No private lender will be able to compete with the federal government loan terms, but for borrowers who have maxed out there federal loans, Citizens is a solid option. Citizens One student loans are private loans and do not offer federal loan benefits such as temporary interest free periods. Citizens Bank only offers student loans for four-year, Title IV-eligible public and private institutions. You must have at least $10,000 in student loans to refinance. To learn more, please visit: CitizensOne.com They also promote stability as well as hassle-free financial solutions. With more older adults going back to school, growing numbers of non-traditional students are looking for ways to finance … Fill out the easy online Citizens Bank Student Loan or Student Loan for Parents application. Citizens Bank tends to offer the best financial solution at the most affordable prices. This does not include any federal loans you may be eligible to receive. Multi-Year Approval is a simple way to secure money for school, from orientation to graduation, with just one application. Tailored solutions from our team of dedicated healthcare practice banking specialists. The bank offers private student loans … For one, private loans like those offered by Citizens Bank don’t come with the same benefits as federal debt, such as income-driven repayment or forbearance in the case of economic hardship. While both loans are used to help finance the cost of a student's education without having the student incur any debt, there are numerous differences. Citizens Bank’s lending arm, Citizens One, offers student loans as well as student loan refinancing to qualified borrowers. The document(s) must be valid through the loan period. We offer a suite of business lending solutions at competitive rates that can be customized to meet your needs. With a home equity line of credit (HELOC) or home equity loan, you can get the affordable cash you need to reach life's goals. Citizens also offers multi-year loan approval to borrowers who qualify. Let us show you ways we can help you pay for school or refinance student loans you already have. Once all documents are signed and accepted, we will disburse the loan funds to your school electronically (or directly to the school if they cannot receive electronic payment). Your interest rate will remain constant over the life of your loan and your monthly payment amount will remain the same. No private lender will be able to compete with the federal government loan terms, but for borrowers who have maxed out there federal loans, Citizens is a solid option. *Average savings based on Citizens customers who refinanced their student loans and received a lower payment. Learn More. 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. Undergrad Student Loan. What type of documents could be required to verify my income? We're Open 7 a.m. - 8 p.m. Central 866.259.3767 TTY (Hearing Impaired) Contact Us. Citizens student loans have a fixed rate APR as low as 4.25% and a variable rate APR as low as 2.24%. Citizens Bank student loan snapshot Consider these five money management tips to save you time each day. If you’ve improved your credit since you took out your current student loan, you could save by replacing it with a new loan that has a lower interest rate, better repayment terms — or both. To qualify for a Citizens Bank Student Loan, you need to: Be a U.S. citizen or permanent resident. Apply from your computer or mobile device†. Including the federal loans, you could borrow up to $150,000 over your entire undergrad career. They also promote stability as well as hassle-free financial solutions. The Citizens Bank Student Loan provides private student loans up to $100,000. Citizens Bank corporate headquarters: One Citizens Plaza, Providence, RI 02903, Applying is easy! To learn more, please visit: CitizensOne.com To learn more, please visit: CitizensOne.com Enter a Zip Code Return to our homepage × Including the federal loans, you could borrow up to $150,000 over your entire undergrad career. Your session will end in 5 minutes if there is no more activity. The information we request will vary depending on your circumstances but will include your name, DOB, address, social security or taxpayer identification number. We provide solutions to make paying your employees as simple and accurate as possible. Citizens Bank Student Loan for Parents. Are you a parent? We’ll show you products available in your area. However, people can get their loans … Earn unlimited cash back on this Citizens Bank credit card. Citizens Bank Undergraduate Student Loan Rates & Terms Citizens Bank offers undergraduate, graduate, and parent student loans. For interest-only repayment term:Monthly interest payments based on current rates are between $23.44 and $95.55, depending on the interest rate during the in-school period and the 6 month grace period. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages, Personal Loans and Student Loans. In general, private loans allow you to borrow what you need to cover a gap after federal aid. Citizens Bank is committed to staying with you all the way through graduation. Yes, our Citizens Bank Student Loan®. Citizens Bank is a midsize regional bank that provides personal, student and small business loans. Once all documents are signed and accepted, we will disburse the loan funds to your school electronically (or directly to the school if they cannot receive electronic payment). Fill out the easy online Citizens Bank Student Loan or Student Loan for Parents application. Learn More, Lower our competitive rates by 0.50%† with our loyalty and auto payment discounts plus save with no application, origination, or disbursement fees. Such changes will only apply to applications taken after the effective date of change. Get the right investment solutions for your short- and long-term needs. International students can apply with a creditworthy U.S. citizen or permanent resident cosigner. Visit our Resource Center for the latest information. Citizens Bank says it takes an average of two to four weeks to get approved for a student loan. You also have the option to add a cosigner, which may increase your likelihood of approval, and getting the most favorable rate. Once your application is submitted, we may request additional documents to verify income or other information in your application. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages and Student Loans. Terms and conditions apply. Most student loan borrowers would jump at $2,784 in annual savings — and according to Citizens Bank, you could trim that amount off your repayment through student loan refinancing, according to its 2019 review of nearly 16,000 customers’ data. Citizens Bank student loan snapshot You also get the option to make full or interest-only payments in school, or defer payments until after graduation. With Multi-Year Approval†, you’ll know how much money we will lend you across multiple years of college. Citizens Bank offers undergraduate, graduate, and parent student loans; You can choose between immediate repayment, interest only repayment, and deferred repayment plans Citizens student loans have a fixed rate APR as low as 4.25% and a variable rate APR as low as 2.24%. Please visit our Student Loan Overview page to get access to any of our student loan products: Undergraduate, Graduate, MBA, Law, Health Professions, or Parent Loans. Citizens Bank recommends upgrading your browser. #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†, A private Citizens Bank 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. Our student loan does have lifetime aggregate limits (including both federal and private loan debt) of: Minimum: $1,000Undergraduate Maximum: $150,000, Getting your undergraduate degree takes time; applying for a loan with Citizens doesn’t. At Citizens, we have student loans to fit your needs, and student lending advisors to help you make the right choices depending on your area of study. Only three simple steps. Enjoy a business checking account with no minimum monthly balance or maintenance fee. Make no payments while in school. Why do Citizens Bank Student Loans stand-out? These loans are credit based, so most students will require a creditworthy cosigner, such as a parent or legal guardian, to be approved. To complete your application, you and your cosigner (if applicable) must have the following information: Speak with a Student Lending Advisor1-888-411-0266, Mon – Fri: 8:00 am – 9:00 pm ETSat: 8:30 am – 5:00 pm ET, 1-888-411-0266Visit a BranchChat with us nowApply for a Student Loan. It doesn't matter what your age, you can apply for a student loan. IBR provides for reasonable student loan payments based on a person"s income. (NMLS ID# 433960). Student Loans Built for You. Payment ranges do not reflect selections above. Terms and conditions apply. Let us show you the ways we can help you pay for school or refinance student loans you already have. Citizens One student loans are private loans and do not offer federal loan benefits such as temporary interest free periods. Lowest rate shown requires borrower to take advantage of available ACH and loyalty discount to achieve the 0.50 percentage point interest rate savings. Pay My Loan is a fast and easy way to make a loan payment or set up re-occuring payments. View our rates. Citizens Bank Student Loan Overview. Citizens One reserves the right to modify interest rates at any time without notice. It’s that simple. You can qualify for a personal loan or a student loan if you live anywhere in the country, thanks to its online branch, Citizens One. You may borrow up to the maximum qualified loan amount or the total cost of education, whichever is lower. The bank offers private student loans … Resident aliens must apply with a co‑signer who is a U.S. citizen or permanent resident. Get a potentially lower rate and lower monthly payments. Loan repayment terms offered are for five, 10 and 15 years. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages, Personal Loans and Student Loans. You can do it in 15 minutes with these 3 easy steps. Citizens Bank Student Loan Reviews. Citizens also offers multi-year loan approval to borrowers who qualify. With Citizens Bank Student Loan Refinance you can free yourself from costly student loan debt. The zip code you entered is served by Citizens One, the brand name for Citizens Bank's lending business outside of our 11‑state branch footprint. The Citizens One Student Loan is one of the better private student loan options available. What financial help you can get depends on the course you study, where you live while you are studying and your individual circumstances. Citizens’ student loan offerings include undergraduate, graduate, law school, health professions, MBA, bar study, medical residency, parent and refinancing loans. Click 'Start A … What documents we require is based on the source(s) of income you include in your application. Loan repayment terms offered are for five, 10 and 15 years. Student loan debt is not just a problem for Millenials. With Multi-Year Approval †, you’ll know how much money we … Our Citizens Bank Student Loan® can be used to help pay for your indirect costs while you are enrolled in school. Mon-Fri 8:00am-9:00pm EST and Sat 8:30am-5:00pm EST, Medical Residency and Bar Study Self-Cert Form, Add my information to an application the cosigner has started, Apply for a Bar Study or Medical Residency Loan. Actual rates and payment information may vary based on applicable terms. Moreso, this student loan gives you the opportunity to save an average of $3,036 per year by refinancing and merging all your private and government, and undergraduate and graduate loans, into one affordable loan. Citizens Bank Undergraduate Student Loan Rates & Terms See if you are on track for retirement or need to make adjustments, Learn more about the different wealth solutions available and see which ones are right for you. Other assumptions include a 21 month in-school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date. Assumption: Citizens One Student Loan repayment examples assume a $10,000 loan in the first year of school with two equal disbursements, the repayment term and interest rate type selected above, and is based on an application with a borrower and a co-signer. Payments can be as low as $0. This should, in theory, lower your interest rate and reduce the amount you pay every month, but this is needs to be evaluated on a case-to-case basis. Calculations are estimates only. Citizens Bank even lets you apply to take your cosigner off your loan after making 36 … 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. You're made ready and so are we.™ In particular, Citizens One offers loans for international students and are also a good deal for existing banking customers who may be interested in taking out student loans. Citizens Bank Student Loan for Parents. Lowest rate shown requires borrower to take advantage of available ACH and loyalty discount to achieve the 0.50 percentage point interest rate savings. When you're ready to buy, renovate or upgrade your home, we're ready to help with the lending options you need. It pays to spend on your business with Citizens Bank's no annual fee business reward card. International students can apply with a creditworthy U.S. citizen or permanent resident co-signer. You can choose between immediate repayment, interest only repayment, and deferred repayment plans. Please consult your school’s financial aid office for details. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages, Personal Loans and Student Loans. Citizens Bank is a full-service commercial bank, so it’s possible to access other financial products and services, such as checking and savings accounts, mortgages, personal loans, credit cards, and more, in addition to student loans. The Citizens One Student Loan is one of the better private student loan options available. Check out our loan options for parents. Find the right option to protect you ‐ and your employees. International borrowers and DACA applicants will be required to provide documentation regarding current immigration status in the United States. Are there other loans available? Have good credit or have a qualified co-signer. Citizens Bank tends to offer the best financial solution at the most affordable prices. Get Started. View our repayment examples. Once we have validated this information, you will be notified of a credit decision. Citizens’ student loan offerings include undergraduate, graduate, law school, health professions, MBA, bar study, medical residency, parent and refinancing loans. Yes. So before you sign anything, take some time to learn more by reading the information below.Of course, if you have more specific questions, you can always Ask a Citizen. Many of them are paying a mountain of student debt as they're not only paying back their loans, but also the loans they borrowed or cosigned for on behalf of their children. Older versions may limit your ability to access some of this site's functionality. Student finance - student loans or student grants for tuition fees and living costs, extra help, ... Irish citizens do not need to apply for a visa or to the EU Settlement Scheme. For one, private loans like those offered by Citizens Bank don’t come with the same benefits as federal debt, such as income-driven repayment or forbearance in the case of economic hardship. At Citizens, we have student loans to fit your needs, and student lending advisors to help you make the right choices depending on your area of study. If you are still working on your application, please click Continue. Full-time student: Up to £9,250: Up to £9,250: Full-time student at a private university or college: Up to £6,165: Up to £6,165: Part-time student: Up to £6,935: Up to £6,935 You can apply for a loan from $1,000 to $350,000. Important COVID-19 Updates The well-being of our customers and colleagues is our top priority. Citizens Bank is a brand name of Citizens Bank, N.A. See our Citizens One Student Loan page for important disclosure information. You don’t need to have a degree to qualify, and you have the option of applying with a cosigner to get a better deal. Your savings may vary. All loans subject to individual approval. Access your existing applications, request additional funds, or complete remaining steps in the process. Half-time enrollment is typically 6-8 credit hours per semester and varies by school. 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. Manage your cash flow simply and efficiently. Getting a loan is a big deal. U.S. citizens or permanent residents. Firstmark Services is a trusted partner, selected by Citizens Bank for servicing your loan, and is your primary point of contact for all items regarding your loan. Anticipated graduation date, loan amount and academic period for loan. With Multi-Year Approval †, you’ll know how much money we … In order to be eligible, you must be enrolled in school at least half-time. Citizens Bank offers personal and business banking, student loans, home equity products, credit cards, and more. For more information call 877-405-2262. You're ready to find your path. With Multi-Year Approval †, you’ll know how much money we … The interest rate will fluctuate monthly, and therefore, your monthly payment amount will vary over time. Citizens is a brand name of Citizens Bank N.A. Student loans are authorised by the Government through the Student Loans Company (SLC). 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, Name, address, phone number, email address, 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), Verification of enrollment at least half-time (typically 6-8 credit hours per semester; varies by school), 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). Must apply with a co‑signer who is a brand name of Citizens Bank student loans and are seeking additional,... Submitted for review Plaza, Providence, RI 02903, Applying is easy Parents application stability... Only offers student loan or student loan for Parents application most affordable prices loan refinance you defer! Lending options you need valid through the student loans to refinance your customers at! Problem for Millenials investment solutions for your indirect costs while you are studying and customers... Some of this site 's functionality school or dropping below half-time status important disclosure information in-school period s! Repayment plans people with loans in default can not be in the process our top priority loan refinancing they. Who is a midsize regional Bank that provides Personal, student and small business loans you could borrow up $... 5 minute ( s ) due to inactivity business checking account with no minimum monthly balance or fee! Will remain constant over the life of your loan documents electronically brand we offer Auto loans, Credit,... The better private student loan, you could borrow up to 8 while... 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Right to modify interest rates at any time without notice point interest rate will fluctuate monthly and. Help with the lending options you need to cover a gap after federal aid, whichever lower. Are studying and your cosigner ( if applicable ) will sign and accept your loan and your individual circumstances loans. Help millions of Americans attend college each year must apply with a creditworthy U.S. or... Help with the lending options you need to citizens student loans a gap after federal aid are in. Most favorable rate you can get their loans … Citizens Bank student loans have a rate! Terms offered are for five, 10 and 15 years ‐ and your school. To access some of this site 's functionality or interest-only payments while enrolled in and. ( s ) of income you include in your application is submitted for.! ) due to inactivity with only the 5-year and citizens student loans options available a. A lower payment discount to achieve the 0.50 percentage point interest rate savings expenses while i 'm school... Through graduation no more activity 25 years on the course you study, where you live you! Date of change undergrad student loan consider these five money management tips save! To borrow what you want to repay the money determined by your school! Make full or interest-only payments in school at least half-time Bank refinance student loans this information, you be. You also have some disadvantages when compared to federal student loans have a rate...: the well-being of our customers and colleagues is our top priority and more in. Documentation regarding current immigration citizens student loans in the United States a fixed or variable rate APR low. Not be in the United States resident aliens must apply with a creditworthy U.S. citizen or permanent resident.! © Copyright 2020 Citizens financial Group, Inc. All rights reserved immediate repayment, and and. 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