Citizens Bank Student Loans
  • Competitive fixed and variable interest rates
  • No application, origination or disbursement fees
  • Flexible repayment length options for qualifying borrowers
  • Save up to 0.50 percentage points off your interest rate with available discounts 1, 2
  • Choice of competitive fixed or variable interest rates and no fees ever
  • 1% Cash Reward for good grades3
  • 0.25% Auto Debit Reward when enrolled in automatic payments during repayment4
  • Apply in 15 minutes or less

The following terms are provided by Citizens Bank.

1. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.

2. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

Citizens Bank Student Loans reserves the right to modify or discontinue these benefits at any time. Any changes to these benefits will not affect loans issued prior to the change date

The following terms are presented by Discover Student Loans.

3. Students who get at least a 3.0 GPA (or equivalent) qualify for a one-time cash reward of 1% of the loan amount on each new Discover student loan. Reward redemption period is limited. View Terms and Conditions.

4. View Terms and Conditions.