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Citizens Bank Student Loan Refinancing Profile

5, 10, 15, and 20 years

LOAN TERMS

As low as 2.59%*

TYPES OF INTEREST RATES

RATES

Fixed and Variable

2

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

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

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

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

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

Eligibility

Rates Valid as of April 1, 2017

Variable Term

10

5.34 - 7.74%

4.39 - 7.61%

2.59 - 7.58%

Term (Years)

15

Rate (APR)

3.58 - 7.88%

Rate (APR)

Fixed Term

4.89 - 7.67%

Term (Years)

5

5

10

3.13 - 7.73%

15

3.38 - 7.83%

20

20

*APRs include autopay and loyalty discounts where available

3.74 - 7.54%

Products

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

Key Benefits

Firstmark Services

LOAN SERVICER

Education Refinance Loan

LOAN NAME

Additional Information

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

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

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

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