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          Student Loan Refinancing

          Lower your student loan payments
          — and your stress level.

          Rates as low as

          #ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# APR Variable1

          #ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# APR Fixed1

          Calculate My Rate

          One Affordable Loan for All Your Student Loan Debt

          Free yourself — and your budget — from costly student loan debt. With a Citizens Bank Education Refinance Loan, you can save an average of $3,036 per year* by refinancing and consolidating all your private and government, and undergraduate and graduate loans, into one affordable loan. Lower your interest rate, reduce your monthly payment, fix a variable-rate, even remove a cosigner to gain financial independence and control.

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

          • Fixed Rates

            #ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=MinRate# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=MaxRate# APR1

            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=MinRate# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=MaxRate# APR1

            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 Bank

          • Lower Rates - Discounts of up to 0.50%

            Lower rates

            Discounts of up to 0.50%2

            With our competitive fixed and variable rates, you could save an average of $253 each month or $3,036 annually*. You can also fix a variable-rate loan to get predictable monthly payments and peace of mind.

            View our rates

          • Lower payments - Payments on your terms

            Lower payments

            Payments on your terms

            With our low rates and flexible terms of 5, 7, 10, 15 or 20 years, you may be able to lower your monthly payments, giving you more room in your budget.

          • Time savings and convenience - A single payment

            Time savings
            and convenience

            A single payment

            Combine all your federal and private loans and undergraduate and graduate loans into one loan, allowing you to make one low monthly payment to one lender3. We are here to help.

          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.4

            View our repayment examples.

          • Eligibility5

            • 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.
          Apply Now


          Complete the online application

          Apply from your computer or mobile device6. 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 your Student Loans

          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.

          • 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
            • Highest Degree Attained
            • 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 Bank Student Loans, other private student loans from other lenders, or your federal loans like Federal Direct PLUS or Stafford loans)3. You cannot include any other debt (for example, credit card or mortgage), even if it was used to pay education expenses. 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 Bank 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 our FAQs section.

          Speak with a Student Lending Advisor

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

          Estimate My Savings

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

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