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  • Important Updates


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    Refinance Parent
    Plus Loans


    You're ready to help your children
    by helping yourself.

    Rates as low as
    #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# APR Variable
    #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# APR Fixed

    You're ready to help your children
    by helping yourself.

    Rates as low as
    #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# APR Variable
    #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# APR Fixed

    You're ready to help your children

    by helping yourself.

    Rates as low as

    #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# APR Variable

    #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# APR Fixed


    Calculate My Rate

    ×

    Please read carefully while considering to refinance your federal student loans:

    The federal government announced that interest will not accrue and payments will not be due for a period of 6 months on federal student loans. We recommend that all customers with federal student loan debt carefully consider their options before refinancing with a private student loan. This interest free period is beneficial to customers and we advise you to consider these benefits during the six month period and over the life of the loan prior to refinancing. When you refinance, you waive any current and potential future benefits of your federal loans and replace those with the benefits of the Education Refinance Loan.

    Depending on your rate and amount borrowed, refinancing may still be a good lifetime savings option for you. We are here to help you think through what might be your best option. Please call us at 1-800-708-6684.

    Please carefully review your current and potential future benefits on your federal loans before refinancing.


    One Affordable Loan for All Your Kids' Education Loans

    Sending your children to college is a parent’s dream. Paying multiple high-interest loans for multiple children can be a financial nightmare. With a Citizens Bank Education Refinance Loan for Parents, you could save up to 2.10% on your interest rate while consolidating into one affordable payment.

    • Fixed Rates

      #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMax# APR

      Your interest rate will remain constant over the life of your loan and your monthly payment amount will remain the same.


      Rate and Repayment Examples
    • Variable Rates

      #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMax# APR

      Get a potentially lower rate and lower monthly payments. The interest rate will fluctuate monthly, and therefore, your monthly payment amount will vary over time.

      Rate and Repayment Examples

    3 Reasons to Choose Citizens Bank

    • Affordable

      Low rates to save more

      Lower our competitive rates by 0.50% with our loyalty and auto payment discounts. Plus, save with no application, origination or disbursement fees.

      View our rates

    • Flexible

      Payments on your terms

      With the option to select 5, 7, 10, 15 or 20 year terms, you could lower your monthly payment and give yourself more room in your budget.

    • Convenient

      Single monthly payment

      Combine all your federal and private loans into one loan, allowing you to save time and make one low monthly payment to one lender.

    Student Loan Refinancing for Parents Features

    • Repayment

      Choose from 5, 7, 10, 15 and 20-year repayment periods, depending on your budget.

      View our repayment examples.

    • Eligibility

      • At least $10,000 in student loans to refinance
      • US Citizens, permanent residents and resident aliens with a valid U.S. Social Security Number can apply
      • The primary applicant must be the primary borrower or co-signer on the loan to be refinanced.
    • Loan Amounts

      Minimum: $10,000

      Maximum: $500,000

    3 Easy Steps to Apply

    You’re busy. We get that. So, we’ve made applying for the Education Refinance Loan for Parents fast and easy. You can apply in 3 easy steps.
    Apply Now

    1

    Complete the online application

    Apply from your computer or mobile device.

    2

    Select your rate and terms

    Choose a fixed or variable rate and a term of
    5, 7, 10, 15 or 20 years.

    3

    Sign and accept.

    You will be asked to sign and accept your loan documents electronically.

    Learn More About Refinancing Student Loans

    Wondering if refinancing is right for you? Here is some information to assist you. Of course, if you have any additional questions, you’re always welcome to Ask a Citizen.

                    Want to learn more? See our FAQs section.


    Speak with a Student Lending Advisor
    1-888-411-0266


    Mon – Fri: 8:00 am – 9:00 pm ET
    Sat: 8:30 am – 5:00 pm ET
    Sun: 9:00 am – 2:00 pm ET

    Helpful Tools

    Questions? Ask a Citizen.
    Questions? Ask a Citizen.

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