- Apply online in 3 minutes and get an instant credit decision. No application, origination, or disbursement fees
- Cover up to 100% of your cost of attendance including tuition, fees, books, housing and other costs
- Flexible repayment options that work for you - terms of 5, 8, 10, 15, and 20 years
- . Multi-Year Peace of Mind® approves 95% of undergraduate borrowers for additional loans when applying with a cosigner
- Cover up to 100% of your school-certified costs after financial aid
- Actual prequalified rates from multiple lenders in 3 minutes
- Checking rates on Credible is free and will not impact your credit score*
- . No origination fees or prepayment penalty
- Easily avoidable monthly fees for basic savings and checking accounts
- Up to 0.50% interest rate discount available for existing Citizens Bank customers
- No overdraft fees if overdrawn amount is less than $5
- . Access to free financial planning services through Citizens Checkup
- Striving to help students gain access to the education they want and need
- Fully remote process - apply in minutes either online or with a phone representative
- Some applicants can defer repayments or make interest-only payments for up to 60 months
- No application, origination, or prepayment fees