Citizens Bank Student Loan Refinance

Student loan refinancing from Citizens Bank with loyalty rate discounts and high maximum amounts.

Last checked on September 4, 2026. We may earn a commission when you click through.

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✓ Top-20 US bank (stability) ✓ 0.25% loyalty discount for existing customers ✓ Up to $500,000 refinancing
Representative APR Amount Term Type
4.89–9.74% $10k–$500k 60–240 mo student_refinance
Best For

Existing Citizens Bank customers or borrowers with high student loan balances ($100K+)

Pros & Cons

Pros
  1. ✓ Top-20 US bank (stability)
  2. ✓ 0.25% loyalty discount for existing customers
  3. ✓ Up to $500,000 refinancing
  4. ✓ Parent PLUS loan refinancing
Cons
  1. ✗ $10,000 minimum
  2. ✗ Requires good credit history
  3. ✗ Variable rates can increase over time

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