Education Refinance Loan Application

Borrowed with us before?


What you will need to apply

Personal Information
  • Personal information, including employment details and monthly housing payment.
Financial Information
  • Pay stub (no more than 30 days old) or other proof of income and monthly housing cost (rent, mortgage, other). International borrowers and DACA applicants will be required to provide documentation regarding current immigration status in the United States. The document(s) must be valid through the loan period.
Loan Information
  • Current student loan billing statements for the loans you wish to refinance.

Eligibility

Are you refinancing loans taken out to fund your education?
Does the primary borrower have a minimum of $10,000 in student loan debt to consolidate?
     
Thank you for your interest.  Unfortunately, primary borrowers cannot currently be enrolled in school.  Should a loan be needed to help finance the current school year, please consider our Student Loan.
Thank you for your interest; however, the minimum amount that we can refinance is $10,000 in student loan debt.
* Required Field
Your Application Type
How would you like to apply?*

A cosigner is not required; we encourage borrowers with little or no credit history to apply with a qualified cosigner to increase their chances of being approved. A qualified cosigner can also help you secure a lower interest rate.
Your Information















Is this a cell number?*

Is this a cell number?*

1 I authorize Citizens Bank, N.A. and its affiliates and agents to contact me regarding my rate request and/or application, at the email address and current or any phone number(s) provided. I understand that for security purposes, the email address must be unique to me, and not shared with any other Citizens Bank account holder.
2 By providing your cell telephone number, you authorize Citizens Bank and its affiliates to contact you regarding your rate request and/or application using an automated dialing service, prerecorded messages or text messages. Standard text messaging and/or calling charges may apply.
Your Personal Information
More InfoMore Info

More Info

Whole dollars only.  For a monthly amount greater than $10,000, enter 9999.
More Info
More Info

Your Previous Address Information






Your Employment Information
More Info


More InfoMore Info
More Info
More Info
Are you currently a Citizens Bank customer?*
Your Bank relationship status is subject to verification.  For purposes of this application, a Bank customer is defined as having one of the following accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, or credit card account.
Your Academic Information
Last Attended College/University*



For Wisconsin Residents
You indicated that you are a resident of Wisconsin. If you are married, and your spouse is not cosigning this loan, Wisconsin law requires that we notify your spouse that credit has been extended to you. Please complete the following:
Please enter your spouse's name and current address.



Spouse Current Address







For Arizona Residents
You indicated that you are a resident of Arizona. If you are married to someone other than the primary borrower, Arizona community property laws require that your spouse also sign the Application and Promissory Note. Please complete the following:
Cosigner Information
Your cosigner is signing the application with you. Please enter your cosigner's name and email below.

More Info


Primary Borrower Information
Your primary borrower is for whom you are cosigning the application. Please enter your primary borrower's name and email below.

More Info


Please review the information below to verify that it is accurate. If you wish to make changes click the Edit link.

Your Application TypeEdit


Please tell us who you are
How would you like to apply?

Your InformationEdit


First Name
Middle Initial
Last Name
Suffix
Date of Birth
Social Security Number
House Number & Street Name
Unit or Apartment #
City
State
Zip Code
Email Address
Primary Phone
Is this a cell phone number?
Secondary Phone
Is this a cell phone number?

Your Personal InformationEdit


Citizenship Status
Alien ID
Residence
Monthly Housing Payment
Mortgage Holder
Years at Address
Months at Address

Your Previous Address InformationEdit


House Number & Street Name
Unit or Apartment #
City
State
Zip Code

Your Employment InformationEdit


Employment Status
Employer Name
Years at Employment
Months at Employment
Work Phone
Gross Income from Employment
Monthly    Yearly
Other Income
Monthly    Yearly
Source of Other Income
Are you currently a Citizens Bank customer?

Your Academic InformationEdit


Last Attended College/University

Highest Degree Attained
Date Last Attended

For Wisconsin ResidentsEdit


Spouse's Information
First Name
Middle Initial
Last Name
House Number & Street Name
Unit or Apartment #
City
State
Country
Zip Code

For Arizona ResidentsEdit


Cosigner Name and EmailEdit


Cosigner's Name
Cosigner's Email


Please wait. Your application is processing. Processing time varies depending on the speed of your internet connection.

Please do not refresh this page, close your browser, or click the "Back" or "Enter" buttons during this time.

If your decision does not appear within five minutes, please call us at 888-333-0128.

Processing...