I’m looking for a student loan as a…

Student
Parent
The biggest difference between the Citizens Student Loan and Citizens Student Loan for Parents is that with the Citizens Student Loan, the student is the primary borrower (with the ability to add a qualified cosigner) who is liable for the repayment of the loan. With the Citizens Student Loan for Parents, the borrower is a parent or other sponsor who has taken out the loan for the benefit of the student (this option does not allow for a cosigner) and that borrower remains the sole person responsible for repayment of the loan.
Degree Type1
The amount you can borrow is based upon the degree type. Our student loan does have lifetime aggregate limits (including both federal and private loan debt) of: Medical: $400,000 (MD, DO, DMD, DDS), Business/Law: $300,000, Other Graduate Degrees: $225,000.
Undergrad
GRADUATE
Law / MBA
Healthcare
Professionals1
Medical-
Doctorate1
Loan Amount
Please enter or select the amount you wish to borrow. This could be the amount needed to cover the cost of your education for a single semester, or up to an entire academic year. The amount you can borrow is based on the type of loan you have chosen.
$
1,000
100,000
Credit Rating
The actual interest rates and loan terms you receive will be based on information from your credit report once you submit a completed application. Rates shown for the Excellent, Good, and Fair credit ratings are for example only.
FAIR
620-719
GOOD
720-779
EXCELLENT
780+
Term
Choosing a longer repayment term allows for lower monthly payments, but it will also mean higher interest rates. Find the balance that works for you.
5 YEARS
(60 MONTHS)
10 YEARS
(120 MONTHS)
15 YEARS
(180 MONTHS)
Repayment Options
Immediate
Interest Only
Deferred

Immediate Repayment: Make principal and interest payments while in school.

Interest-Only Repayment: Make interest-only payments while in school. This will reduce the total interest you pay on your loan.

Deferred Repayment: Make no payments until six months after graduation or after you leave school or drop below half-time status.

Discounts
Apply Loyalty Discount2
Do you have any qualifying Citizens accounts? Take 0.25 percentage points off your interest rate.
Apply Auto-Pay Discount3

Earn an additional 0.25 percentage point interest rate reduction on your loan, during periods when payments are due, by authorizing our loan servicer to automatically deduct your payments each month from any bank account you designate. Checking this option will update the loan offers below to reflect this discount.

Please note that “deferred” options (no payments while in school) do not reflect this discount as automatic payments must be active. However, when you do enter repayment after graduation you will be eligible to sign up for automatic payments and be credited with the 0.25 percentage point interest rate reduction.

Your Estimated Rates
FIXED
VARIABLE

Your Fixed Rates*

The fixed option means that your interest rate will remain constant over the life of your loan and your monthly payment amount due will stay the same.
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APR
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TERM
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BORROWED
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TOTAL PAYMENTS
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VARIABLE

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Now that you understand how to calculate a student loan payment, let’s take it to the next level. In just 3 easy steps you can get a personalized rate that won’t hurt your credit score†. Get started today and see how much you could save.
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Your Variable Rates*

A variable rate loan means the interest rate and payment may increase or decrease over time.
MONTHLY PAYMENTS
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APR
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TERM
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BORROWED
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TOTAL PAYMENTS
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*The estimates above include the criteria you selected. These results are only estimates, your final loan terms will be available after applying.
Re-estimate

Ready to Customize Your Rate?

Now that you understand how to calculate a student loan payment, let’s take it to the next level. In just 3 easy steps you can get a personalized rate that won’t hurt your credit score
†
. Get started today and see how much you could save.
Calculate My Rate