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Student Loans

We provide access to several providers who may help with your student loans and student loan refinancing but the only lender we recommend strongly is CITIZENS BANK



Citizens Student Loans


Up to $1,000 off a refinance loan or a $500 credit on a new student loan








Up to $1,000 off a refinance loan or $500 off a new student loan

  Consumer Credit Counseling Service

Personalized advice on debt management





Refinance your student loan and save thousands + $100 bonus




A $400 bonus for refinancing a student loan





The debit card for kids - to teach financial responsibility







Laurel Road


Up to $750 bonus for student loan refinancing




Up to $750 bonus for student loan refinancing






As a leader in student lending with more than 40 years’ experience, Citizens helps families fund the college dream or refinance education loans. Whether you’re looking to lower your student loan rates, lower your monthly payment or pay off your loans faster, this program could help make paying for school easier and more affordable.


About the Offer:


  • As a My Better Benefits member, you or a family member are eligible to receive a principal credit reduction for 1% of your loan amount up to $10001 on an Education Refinance Loan, an Education Refinance Loan for Parents or a Medical Residency Education Refinance Loan.   

    In addition members could save up to 0.50% interest rate reduction with Loyalty and Automatic Payment discounts.2

With no application, origination or disbursement or pre-payment penalty fees, the Citizens Education Refinance Loan program could help you to:

  • Lower your monthly payment to put more money back in your monthly budget
  • Lower your interest rate if you’re paying higher rates on old student loans
  • Pay off your loans faster by paying more towards your principal balance
  • Lock in a fixed-rate loan

Members could see their rate and potential savings in under 2 minutes, with no impact to their credit score.3


Student Lending Specialists at Citizens are available to talk with you about your specific circumstances and existing loans.

For more information on this benefit and to apply click here




When is the right time to refi?

Private student loan refinance rates are still low. Depending on your unique financial situation, it might be a good idea to review your student loans and consider your options.

Whether you have federal student loans, private student loans or both, consider refinancing part or all of your student loan debt. We recommend that all borrowers with federal student loan debt carefully consider their options before refinancing with a private student loan.

If you have private student loans in your portfolio, you might consider refinancing those now to take advantage of today’s low rates. For more details and to apply, please select the Apply Now button below or call 1-888-411-2389 to speak with a Citizens Student Lending Advisor who is dedicated to helping you find solutions tailored to your needs.



1  Employer & Organizational Partnerships: To qualify for the principal balance reduction, the borrower or co-signer (if applicable) must have applied, be approved, and disburse a Citizens Education Refinance Loan, Education Refinance Loan for Parents, or a Medical Residency Refinance Loan through the employer’s dedicated Citizens website. The principal balance reduction will be calculated as 1% of the amount financed with a maximum of $1,000. The loan must be in good standing at the time the Principal Balance Reduction Benefit is applied. Only one Principal Balance Reduction Benefit is allowed per borrower. If you receive a Principal Balance Reduction Benefit on a Citizens Student Loan, Student Loan for Parents, Bar Study Loan, or Medical Residency Loan you will not be eligible for another Principal Balance Reduction Benefit on a Citizens Education Refinance Loan, Education Refinance Loan for Parents or a Medical Residency Refinance Loan.  Principal balance reduction will be applied with an effective date equal to the loan’s first disbursement date. Principal balance reduction may take up to the second month following the loan’s final disbursement date to be applied and may be reduced if the loan amount is reduced or cancelled. The Principal Balance Reduction Benefit will be processed as a reduction of the loan’s principal balance and will not impact the required monthly payment. The borrower is solely responsible for any taxes that may be owed as a result of the principal balance reduction earned. A tax advisor should be consulted. Citizens Bank, N.A. does not provide tax advice. Offer cannot be combined with other promotions, discounts or offers – automatic payment and loyalty discounts excluded. Citizens reserves the right to modify these terms or cancel this offer at any point in the future for new applications.  


2 Loyalty Discount: 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. 


Automatic Payment Discount: 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. 


3Get my RATE:  Selecting "Get My Rate" only requires a "soft credit pull" which does not affect your credit score.  Submitting a full application will result in an inquiry on your credit report. 


4Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer.  Borrowers should carefully review federal benefits, especially if they work in public service, are in the military, are considering possible loan forgiveness options, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans. For more information about federal student loan benefits and federal loan consolidation, visit We also have several resources available to help the borrower make a decision on our website including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review.  


Wireless Charges: Wireless carrier, text, and/or data charges may apply.

Copyright 2021 Citizens Financial Group, Inc. All rights reserved.

Citizens is a brand name of Citizens Bank, N.A.







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