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LENDER PROFILE

RATES

As low as 2.21%*

TYPES OF INTEREST RATES

5, 10, 15, and 20 years

Fixed and Variable

LOAN TERMS

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.

Eligibility

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

Loan Qualifications: Refinance federal, private, and ParentPLUS loans

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

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

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

*APRs include autopay and loyalty discounts where available

Fixed Term

Variable Term

4.74 - 8.42%

2.85 - 7.45%

3.74 - 8.29%

5

2.60 - 7.35%

Term (Years)

20

Rate (APR)

Products

Rate (APR)

4.24 - 8.36%

5.19 - 8.49%

Term (Years)

2.21 - 7.20%

5

10

10

15

15

3.05 - 7.50%

20

Rates Valid as of December 1, 2016

  • Cosigner release available after 36 months

Key Benefits

  • 0.25% loyalty discount available as well as 0.25% automatic payment discount
  • No application, origination or disbursement fees

Education Refinance Loan

LOAN NAME

Additional Information

Firstmark Services

LOAN SERVICER

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

Here are some of the most common student loan mistakes graduates make when entering repayment on their student loans.

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

Learn More About Student Loans

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

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