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You're ready to help your children
by helping yourself.
You're ready to help your children
by helping yourself.
You're ready to help your children
by helping yourself.
Rates as low as
#ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# APR Variable†
#ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# APR Fixed†
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The federal government announced that interest will not accrue and payments will not be due for a period of 6 months on federal student loans. We recommend that all customers with federal student loan debt carefully consider their options before refinancing with a private student loan. This interest free period is beneficial to customers and we advise you to consider these benefits during the six month period and over the life of the loan prior to refinancing. When you refinance, you waive any current and potential future benefits of your federal loans and replace those with the benefits of the Education Refinance Loan.
Depending on your rate and amount borrowed, refinancing may still be a good lifetime savings option for you. We are here to help you think through what might be your best option. Please call us at 1-800-708-6684.
Please carefully review your current and potential future benefits on your federal loans before refinancing.
Sending your children to college is a parent’s dream. Paying multiple high-interest loans for multiple children can be a financial nightmare. With a Citizens Bank Education Refinance Loan for Parents, you could save up to 2.10%† on your interest rate while consolidating into one affordable payment.
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
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.
Combine all your federal and private loans into one loan, allowing you to save time and make one low monthly payment to one lender†.
Choose from 5, 7, 10, 15 and 20-year repayment periods, depending on your budget.
View our repayment examples.
Minimum: $10,000
Maximum: $500,000
You’re busy. We get that. So, we’ve made applying for the Education Refinance Loan for Parents fast and easy. You can apply in 3 easy steps.
Apply Now
Choose a fixed or variable rate and a term of
5, 7, 10, 15 or 20 years.
You will be asked to sign and accept your loan documents electronically.
Wondering if refinancing is right for you? Here is some information to assist you. Of course, if you have any additional questions, you’re always welcome to Ask a Citizen.
Want to learn more? See our FAQs section.
Speak with a Student Lending Advisor
1-888-411-0266
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
| Amount to Borrow: | Lowest
Make interest-only payments while enrolled, full payments begin 6 months after leaving school or dropping below half-time status.
| Highest
Make no payments while in school. Principal and interest payments begin 6 months after leaving school, or dropping below half-time status.
|
|---|---|---|
| Interest Rate | ||
| APR | ||
| Monthly Payment | ||
| Total to Pay Back |
* Medical doctorate pricing includes MD, DMD/DDS, OD, DO, and PharmD degrees.
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. Lowest rate shown requires borrower to take advantage of available ACH and loyalty discount to achieve the 0.50 percentage point interest rate savings. 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.
Monthly interest payments based on current rates average #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|productName=TruFit|rateType=Fixed|repaymentType=InterestOnly|loanType=Undergraduate|term=10|basedOn=10,000|ProductAttribute=loanOptions::repaymentExample::min::interestOnlyPayment#, depending on the interest rate during the 45 month in-school period and the 6 month grace period. Terms and conditions apply. Calculations are estimates only. Actual rates and payment information may vary based on applicable terms. Payment ranges do not reflect selections above.
Citizens One reserves the right to modify interest rates at any time without notice. Such changes will only apply to applications taken after the effective date of change.
See our Citizens One Student Loan page for important disclosure information.
* Medical doctorate pricing includes MD, DMD/DDS, OD, DO, and PharmD degrees.
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. Lowest rate shown requires borrower to take advantage of available ACH and loyalty discount to achieve the 0.50 percentage point interest rate savings. Other assumptions include a 45 month in?school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date. Business and Law assumptions include a 21 month in-school period.
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. Terms and conditions apply. Calculations are estimates only. Actual rates and payment information may vary based on applicable terms. Payment ranges do not reflect selections above.
Citizens One reserves the right to modify interest rates at any time without notice. Such changes will only apply to applications taken after the effective date of change.
See our Citizens One Student Loan page for important disclosure information.
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. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages, Personal Loans and Student Loans. To learn more, please visit:
