What Citizens offers.
Citizens offers student loan refinancing through its retail bank. Ask for a like-for-like quote and check the current product details, since bank offerings change.
- Our ranking
- #4 of 4 in Student Loan Refinance
- Service type
- Private refinance
- Best for
- Refinancing with a traditional bank
- Pricing
- Check current terms with the company
- Website
- citizensbank.com
- Last reviewed
Citizens pros and cons
Worth a look for
- Bank-based refinance
- Branch and phone support
The catch
Confirm the current product and the cosigner rules before you apply.
Citizens costs, terms, and who qualifies
Once a federal loan is refinanced into a private one, income-driven repayment, forgiveness programs, and federal forbearance are gone for good. Read the current Federal Student Aid guidance before you apply anywhere.
Before you commit to Citizens, ask for today’s terms in writing for the exact product or service you want. Pin down every one-time and recurring charge, who qualifies, which states are covered, and how you cancel or get out.
Who Citizens is for
Citizens belongs on your list if you’re looking at private refinance. Start with the fit above, then put its written terms next to the other companies in this category before you commit.
When someone else may be the better pick
Enter the same balance and term with each lender. Keep fixed and variable quotes in separate columns, and note any autopay discount baked into the headline rate. The rate in the ad is the floor, not the rate most people get.
Confirm the current product and the cosigner rules before you apply. If that doesn’t suit you, look at the alternatives below before you go any further.
What to ask Citizens
- What will I have paid in total by the last payment?
- What are my options if I lose my job?
- Which federal protections disappear if I refinance?
- Can I get the full agreement and today’s terms in writing?
How we reviewed Citizens
We keep what a company says about itself separate from what we could verify. A company only gets a score once we’ve confirmed its identity, current terms, and real costs and run it through the category’s research process. Until then, no number.
See the student loan refinance methodologySources
Citizens: official siteBuilt from the publisher’s launch research dated October 1, 2026. Last reviewed . Account-specific terms change, so confirm them with the company.
Suggest a correction
