NEW Education
Refinance Loan
Ask a Citizen how you can cut your interest rate or reduce your monthly payment by refinancing your federal and private student loans.
Call an Education Finance Advisor
1-888-333-0128
Student loan refinancing benefits
- Lower monthly payments our #1 reason
- A low, competitive rate
- Paying off student loans more quickly
- Locking in a fixed interest rate
- Simplifying repayment by consolidating your student loans
Tell me more 
Four quick questions to see how refinancing
might lower your monthly payment.
Get started
Am I eligible to refinance my student loans?
You may be eligible to refinance if:
- Youre no longer enrolled in school
- You have a history of paying your current student loans on time
- You have proof of income
Full eligibility details
Deciding to refinance
Whether to refinance your student loans is a personal decision, and its not right for everyone. Heres what to consider.
- Review the benefits of any federal student loans you may wish to refinance. Federal student loans provide certain benefits that are unavailable with private student loans.
- Know your current income and expenses, as well as your financial goals.
- Compare your current student loan terms with our refinance loan options.
Should I Refinance My Student Loan?
Call an Education Finance Advisor
1-888-333-0128
How do I apply?
Applying to refinance or consolidate your student loans is easy. You provide:
Completed Application
Filled out by you and, if applicable, your co-signer.
Existing Student Loan Info
Billing statements for the loans you wish to refinance.
Income & Expense Info
Details on your employment and monthly housing payments, as well as two recent pay stubs or other proof of income.
The application process
Refinance student loan debt with Citizens Bank when you refinance or consolidate your student loan refinance or consolidate your student loans
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