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      Student Loan for Parents

      A brighter future for your child doesn’t have to mean a harder one for you.

      Rates as low as

      #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|Disclosure=disclosure|DisclosureName=parentVariable|DisclosureAttribute=APRMin# APR Variable1

      #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|Disclosure=disclosure|DisclosureName=parentFixed|DisclosureAttribute=APRMin# APR Fixed1

      Get Started

      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 Approval2, 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=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|Disclosure=disclosure|DisclosureName=parentFixed|DisclosureAttribute=APRMax# APR1

        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# APR1

        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%3 with our loyalty and auto payment discounts plus save with no application, origination, or disbursement fees.

        View our rates

      • Easy


        Multi-Year Approval

        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


        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.

      • Eligibility4

        • Applicant (parent or sponsor) must be a U.S. citizen or permanent resident
        • Student must be enrolled at least half-time in a degree-granting program at an eligible institution
      • 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
        • 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.

                      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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