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Citizens Bank Student Loan Refinancing Profile

TYPES OF INTEREST RATES

Fixed and Variable

As low as 2.72%

5, 10, 15, and 20 years

RATES

LOAN TERMS

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Citizens Bank offers student loan consolidation and refinancing at competitive rates across a broad range of loan terms. Citizens Bank's loan eligibility is widespread, and includes graduate school students, for-profit education, and borrowers without a degree. If you are looking for options, Citizens Bank Education Refinance Loan gives you the flexibility to explore a variety of repayment terms, and discounts from a reputable big bank. Read full Citizens Bank student loan refinancing review.

Loan Qualifications: Refinance federal, private, and ParentPLUS loans

Low Minimum Income: Borrower or cosigner must have an annual income of at least $24,000

Broad School Eligibility: Eligible programs include associate through graduate degrees, as well as degrees from for-profit institutions

High Balance Borrowers: Consolidate and refinance $10,000 - $90,000 (undergraduates), up to $225,000 (graduates), up to $300,000 (Lawyers) and $350,000 (Dentists and Medical doctors)

No Degree Required: Out of school borrowers and borrowers without degrees are eligible

Eligibility

Fixed Term

Variable Term

Term (Years)

Rate (APR)

Rate (APR)

Term (Years)

5

10

15

20

3.50 - 8.51%

5.29 - 8.51%

5.52 - 8.55%

5.69 - 8.69%

5

2.72 - 7.97%

10

4.82 - 8.02%

15

5.12 - 8.02%

20

5.32 - 8.17%

*APRs include autopay and loyalty discounts where available

Rates Valid as of August 1, 2018

Products

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  • 0.25% loyalty discount available as well as 0.25% automatic payment discount
  • Cosigner release available after 36 months
  • No application, origination or disbursement fees

Key Benefits

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LOAN SERVICER

LOAN NAME

Firstmark Services

Education Refinance Loan

Additional Information

If you’re feeling overwhelmed with student loan debt, refinancing your student loans could be the solution you've been searching for.

Learn about that factors that influence the rate you qualify for when you refinance so you can maximize your offer.

Learn what your deferment and forbearance is and what happens to these benefits if you choose to consolidate or refinance.

Considering refinancing your student loans? Learn the pros and cons of fixed and variable rate loans.

Learn More About Student Loans

The average graduate who refinances with Credible saves $18,668