Undergraduate Loan Rate Disclosure: Variable interest rates range from 6.38% - 15.81% (6.38% - 14.28% APR). ![]() Student Loan Rate Disclosure: Variable interest rates range from 6.38% - 15.81% (6.38% - 14.28% APR). ![]() Fixed interest rates range from 6.99% - 10.14% (6.99%- 10.15% APR).Įducation Refinance Loan for Parents Rate Disclosure: Variable interest rates range from 8.08% - 11.59% (8.08% - 11.60% APR). Medical Residency Refinance Loan Rate Disclosure: Variable interest rates range from 7.29% - 11.59% (7.29% - 11.60% APR). Such changes will only apply to applications taken after the effective date of change.Įducation Refinance Loan Rate Disclosure: Variable interest rates range from 7.29% - 12.43% (7.29% - 12.44% APR). Rates are subject to additional terms and conditions, and are subject to change at any time without notice. Lowest Rate Disclosure: Lowest rates are only available for the most creditworthy applicants, require a 5-year repayment term, interest-only repayment, and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. ![]() The maximum variable interest rate is the greater of 21.00% or the prime rate plus 9.00%.įixed Rate Disclosure: Fixed rate ranges are based on applicable terms, level of degree, and presence of a co-signer. Variable interest rates will fluctuate over the term of the loan with changes in the SOFR index, and will vary based on applicable terms, level of degree and presence of a co-signer. As of Jan 01, 2024, the 30-day average SOFR index is 5.34%. Variable Rate Disclosure: Variable interest rates are based on the 30-day average Secured Overnight Financing Rate (“SOFR”) index, as published by the Federal Reserve Bank of New York. citizen or permanent resident and must be enrolled at least half-time in a degree granting program at a Citizens-participating school. Student Loan for Parents Eligibility: The student whose education expenses will be paid for with the loan proceeds must be a U.S. Student Loan Eligibility: Applicants must be enrolled at least half-time in a degree-granting program at an eligible institution. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced.Įducation Refinance Loan for Medical Residency Eligibility: Applicants must have graduated from medical school and be matched to a MD, DO, DDS, DMD, DPM, DVM, VMD, PharmD, OD residency or fellowship program at the time of application.Įducation Refinance Loan for Parents Eligibility: The primary applicant must be the primary borrower or co-signer on the loan to be refinanced. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Citizens private student loans are subject to credit qualification, completion of a loan application/Promissory Note, verification of application information, and if applicable, self-certification form, school certification of the loan amount, and student’s enrollment at a Citizens participating school.Įducation Refinance Loan Eligibility: Applicants must have attained a bachelor’s degree to refinance while enrolled in school. Citizens reserves the right to modify eligibility criteria at any time. ![]() For applicants who have not attained the age of majority in their state of residence, a co-signer is required. citizen, permanent resident, or eligible non-citizen with a creditworthy U.S. Student Lending Eligibility Criteria: Applicants must be a U.S.
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