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              Student Loan Refinancing
              for Parents

              You've given your children a brighter future.
              Now give yourself one.

              Rates as low as

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              #ProductLine=Edfi|Brand=citizensbank|ProductSet=parentErlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# APR Fixed1

              Get My Rate

              One Affordable Loan for All Your Kids' Education Loans

              Sending your children to college is a parent’s dream. Paying multiple high-interest loans for multiple children can be a financial nightmare. With a Citizens Bank Education Refinance Loan for Parents, you could save up to 3.63%2 on your interest rate while consolidating into one affordable payment.

              • Fixed Rates

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                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

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                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

              • Lower Rates - Discounts of up to .50%

                Lower rates

                Discounts of up to 0.50%3

                With our competitive rates and discounts of up to 0.50%3, you could trim your interest rate as much as 3.63%2 on a Federal Parent PLUS Loan.

                View our rates

              • Lower payments - Payments on your terms

                Lower payments

                Payments on your terms

                With our low rates and flexible terms of 5, 7, 10, 15 or 20 years, you may be able to lower your monthly payments, giving you more room in your budget.

              • Time savings and convenience - A single payment

                Time savings
                and convenience

                A single payment

                Let us help you combine all your loans, including Federal Parent PLUS, private, and student loans you cosigned – for all your children – into one loan and payment. You can even refinance loans you haven’t yet begun to pay4.

              Student Loan Refinancing for Parents Features

              • Repayment

                Choose from 5, 7, 10, 15 and 20-year repayment periods, depending on your budget.

                View our repayment examples.

              • Eligibility5

                • At least $10,000 in student loans to refinance
                • US Citizens, permanent residents and resident aliens with a valid U.S. Social Security Number can apply
                • The primary applicant must be the primary borrower or co-signer on the loan to be refinanced.
              • Loan Amounts

                Minimum: $10,000

                Maximum: $500,000

              3 Easy Steps to Apply

              You’re busy. We get that. So, we’ve made applying for the Education Refinance Loan for Parents fast and easy. You can apply in 3 easy steps.
              Apply Now


              Complete the online application

              Apply from your computer or mobile device*.


              Select your rate and terms

              Choose a fixed or variable rate and a term of
              5, 7, 10, 15 or 20 years.


              Sign and accept.

              You will be asked to sign and accept your loan documents electronically.

              Learn More About Refinancing Student Loans

              Wondering if refinancing is right for you? Here is some information to assist you. Of course, if you have any additional questions, you’re always welcome to Ask a Citizen.

                              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

              Helpful Tools

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

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