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        Parent Student

        Solutions that help you and your
        child stay on track.

        Rates as low as
        #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|Disclosure=disclosure|DisclosureName=parentVariable|DisclosureAttribute=APRMin# APR Variable
        #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|Disclosure=disclosure|DisclosureName=parentFixed|DisclosureAttribute=MinRate# APR Fixed

        Solutions that help you and your
        child stay on track.

        Rates as low as
        #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|Disclosure=disclosure|DisclosureName=parentVariable|DisclosureAttribute=APRMin# APR Variable
        #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|Disclosure=disclosure|DisclosureName=parentFixed|DisclosureAttribute=MinRate# APR Fixed

        Solutions that help you and your child stay on track.

        Rates as low as

        #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|Disclosure=disclosure|DisclosureName=parentVariable|DisclosureAttribute=APRMin# APR Variable

        #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|Disclosure=disclosure|DisclosureName=parentFixed|DisclosureAttribute=MinRate# APR Fixed

        Start Now

        Loans to Help Your Family — and Your Budget

        Help your children manage up to 100% of college costs — without sacrificing your future — with the help of a Citizens Bank Student Loan® for Parents. We offer loans with Multi-Year Approval, so you’ll know upfront how much money we will lend you across multiple years of college. In year two and beyond, the application is simplified, such that after a soft credit check, you can request your funds for your child’s upcoming school year. Learn More

        Considering student loans instead? Check out our undergraduate loan options for students.

        • Fixed Rates

          #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|Disclosure=disclosure|DisclosureName=parentFixed|DisclosureAttribute=MinRate# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|Disclosure=disclosure|DisclosureName=parentFixed|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=trufitParentProductSet|Disclosure=disclosure|DisclosureName=parentVariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|Disclosure=disclosure|DisclosureName=parentVariable|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 you 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

        • Easy


          Multi-Year Approval is a simple way to secure money for school, from orientation to graduation, with just one application.

          Learn More

        • Flexible

          Payments on your terms

          Whether you are a parent or student looking for a new loan or to consolidate existing ones, Citizens has options to fit your needs — and budget.

        Student Loan for Parents Features

        • Repayment

          Choose from 5, and 10-year terms. You also get the option to make full or interest-only payments in school. View our repayment examples.

        • Eligibility?

          • Applicant (parent or sponsor) must be a U.S. citizen or permanent resident
          • The student must be enrolled at least half-time in a degree-granting program at an eligible institution. Half-time enrollment is typically 6-8 credit hours per semester and varies by school. Please consult your school’s financial aid office for details.
        • Loan Amounts

          Minimum: $1,000

          Maximum: $350,000

        3 Easy Steps to Apply

        Getting a degree takes time; applying for a Citizens Bank Student Loan® for Parents doesn’t. You can do it in 15 minutes with these 3 easy steps.
        Get Started


        Complete the online application

        Apply from your computer or mobile device.


        Select your rate and terms

        Choose a fixed or variable rate, the loan term, and how and when you want to repay the money.


        Sign and accept.

        You will sign and accept your loan documents electronically.

        Learn More About our Student Loans for Parents

        Wondering if the Citizens Student Loan for Parents makes sense for you? The information below can help you decide. Of course, if you have more specific questions, Ask a Citizen.

        • What do I need to apply?

          To complete your application, you must have the following information:

          • Name, address, phone number, email address
          • Date of birth
          • Social Security Number
          • Recent pay stub (no more than 30 days old) or other proof of income and monthly housing payment
          • Employer name, phone number and length of employment (if applicable)
          • Name of school the student plans to attend
          • Verification of student’s enrollment at least half-time (typically 6-8 credit hours per semester; varies by school)
          • Cost of attendance and any financial aid received (see award letter from your school)
          • Student's anticipated graduation date, loan period and loan amount needed
        • What is multi-year approval?
          Citizens Bank is committed to staying with you all the way through graduation. Multi-year approval2 provides an easy way to secure funding for additional years in school, without needing a hard credit inquiry for subsequent requests for funds in those later years. When you apply, you will be presented with the total amount you are eligible to borrow for all the years you are in school. If approved, you will be notified after you have submitted your application. This feature is available for both Citizens Bank Student Loan and Citizens Bank Student Loan for Parents. Please note: International students are not eligible for multi-year approval.
        • Are there any fees to apply for Citizens Bank Student Loans?
          The Citizens Bank Student Loan and Citizens Bank Student Loan for Parents have no origination, application, or disbursement fees.
        • What type of documents could be required to verify my income?
          Federal laws and regulations require us to request information from you prior to taking out a student loan or adding a cosigner. The information we request will vary depending on your circumstances but will include your name, DOB, address, social security or taxpayer identification number. We are also required to verify the information you provide to us. This verification process may require you to provide supporting documentation, including verification of income such as bank statements, paycheck stubs, W-2 forms, tax returns or divorce documents. What documents we require is based on the source(s) of income you include in your application.

                        Want to learn more? See our FAQs section.

        Speak with a Student Lending Advisor

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

        Student Loan Calculators

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

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