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What you need to apply

Personal Information

  • Pay stub (no more than 30 days old) or other proof of income
  • 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.

School Information

  • Anticipated graduation date
  • Loan amount
  • Academic period for loan
Additional information may be required after your application is submitted for review.
* Required Field
Your Application
Required Field.
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Is this a cell number?*
Is this a cell number?*

1This email address will be used for notification of changes to your user account.  For security purposes, this address must be unique to you, and not shared with any other Citizens One account holder.

2I authorize Citizens Bank, N.A. and its affiliates and agents to contact me regarding my loan or my loan request, including repayment of my loan, at the current and any future numbers that I provide for my cellular telephone or other wireless device using an automatic dialing service, prerecorded messages and/or SMS text messages, even if I will be charged by my service provider(s) for receiving such communications.
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Are you currently a Citizens One customer?*More Info

You can earn an additional 0.25 percentage point interest rate reduction on your loan if you have a qualifying Citizens One account.
Will you be applying with a cosigner?*More Info

Cosigner Information

 


When you submit your application, you and your cosigner will receive an email with the loan Application ID which will allow the cosigner to complete the application.

Your Information

What you need to apply More Info
* Required Field
Your Personal Information




Your Permanent AddressMore Info









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Your Previous Address






Your Current AddressMore Info







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 student borrower, Arizona community property laws require that your spouse also sign the Student Loan Application and Promissory Note. Please complete the following:

School & Employment Information

What you need to apply More Info
* Required Field
Student Information








Did you claim the student as your dependent on your most recent year's tax return?*
School Information
School Name:*

Start:  End:

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1 The minimum loan amount is $1,000. The maximum loan amount is the cost of college/university attendance minus estimated financial aid, and cannot be increased by the borrower.
Your Employment Information




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You are not required to reveal any additional income (such as income from alimony, child support, or separate maintenance) if you do not want to have such income considered as a basis for repaying this loan.
Do not include a cosigner's income in this field.  Common examples of other income are Spousal Income, Child/Alimony Support or Rental Income and must be verifiable.  This income does not need to be revealed if you do not want it considered as a basis for repaying your loan.

Review & Submit

Your Application

School Name:
Applying as:
Loan Type:
Citizens One Customer:
Requested loan amount:
Applying with a Cosigner:

Cosigner Information

Cosigner's Name:
Cosigner's Email:

Your Personal Information

First Name:
Middle Initial:
Last Name:
Suffix:
Date of Birth:
Social Security Number:
Citizenship Status:
Alien ID:
Driver's License #:
State of License:

Your Contact Information

Email:
Primary Phone:
Is this a cell number?
Secondary Phone:
Is this a cell number?

Your Permanent Address

Street Number:
Street:
Unit/Apartment #:
City:
State:
Zip/Postal Code:
Country:
Years at Address:
Months at Address:
Residence:
Monthly Housing Cost:
Mortgage Holder:

Your Previous Address

Street Number:
Street:
Unit/Apartment #:
City:
State:
Zip/Postal Code:
Country:

Your Current Address

Street Number:
Street:
Unit/Apartment #:
City:
State:
Zip/Postal Code:
Country:

For Wisconsin Residents

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

For Arizona Residents

Student Information

First Name:
Middle Initial:
Last Name:
Date Of Birth:
Social Security Number:
Citizenship Status:
Alien ID:
Did you claim the student as your dependent on your most recent year's tax return?

School Information

School Name:
Academic Period for Loan:
Year in College/University:
Field of Study:
Anticipated Graduation Month:
Anticipated Graduation Year:
Requested Loan Amount:

Your Employment Information

Employment Status:
Employer Name:
Years of Employment:
Months of Employment:
Work Phone:
Gross Income From Employment
Yearly:  Monthly: 
Type of Employment Income:
Other Income
Yearly:  Monthly: 
Source of Other Income:

Review Disclosures


It is recommended that you this page, to have a record of the disclosures you have agreed to.

Before You Cosign
You are being asked to guarantee this debt.  If the primary borrower does not pay the debt, you will have to.  Be sure you can afford to pay if necessary and that you want to accept this responsibility.  You may have to pay up to the full amount of the debt if the primary borrower does not pay.  You may also have to pay late fees or collection costs, which increase this amount.

The lender or other holder of this Note can collect its debt from you without first trying to collect from the borrower.  By signing the promissory note as Cosigner, you would waive any right to demand us to commence a collection action against the borrower within three months as provided in the Official Code of Georgia Annotated, Sec. 10-7-24.The lender or other holder of this Note can use the same collection methods against you that can be used against the borrower, including suing you or garnishing your wages.  If this debt is ever delinquent or in default, that fact may become part of your credit record.  This notice is not the contractual provision that makes you liable for the debt.

You can view general information about the interest rates, fees, and repayment terms associated with the Student Loan by reviewing the Application Disclosure.

Verification of Customer Identity
Federal laws and regulations require us to request information from you prior to opening an account or adding an additional signatory to an account.  The information we request may vary depending on the circumstances, but at a minimum, will include your name, address, an identification number such as your social security or taxpayer identification number, and for individuals, your date of birth.  We are also required to verify the information you provide to us.  This verification process may require you to provide us with supporting documentation that we deem appropriate.  We may also seek to verify the information by other means.  We reserve the right to request additional information and/or signatures from you from time to time.

Credit Authorization
I authorize Citizens One and any successors or assigns to obtain a consumer report and non-credit data to make a loan decision, to confirm my identity and/or to reduce the risk of fraud. Citizens One will attempt to verify the information that I provided in my loan application, including any employment and income history, and I expressly authorize all such entities to provide you any information that you deem relevant to my application for this loan. If I request it, I will be provided the name and address of the consumer reporting agency that furnished the report.

I agree that everything I provided on this application is accurate and complete to the best of my knowledge and that I will have to accept the terms and conditions in my Promissory Note before my loan can be funded.

You, your agents and the student's school(s) may receive, provide or confirm information about this application, loan account, the student's attendance, financial aid or status to the cosigner (if any) and to others in accordance with any applicable laws.

I authorize you (and your affiliates, agents and contractors) to contact me at any number I provide to you, from which I call you, or at which you believe you can reach me, and that you may contact me for any reason, including regarding any request I make for a loan or other product, to service or collect on every account I currently have with you or may have with you in the future and regarding any other products or services you are providing to me or which you provide to me in the future. I authorize you to contact me in any manner, including by means of automated dialing devices, prerecorded messages, wireless push notifications, or text messages, even if I am charged for receiving the communication and even if I will receive the communication on a mobile or wireless device. I agree that such calls are not unsolicited and that you may monitor and/or record them.

State Disclosure Notice
CALIFORNIA RESIDENTS ONLY: A married applicant may apply for a separate account.
MASSACHUSETTS RESIDENTS ONLY: Massachusetts law prohibits discrimination based upon marital status or sexual orientation.
NEW YORK RESIDENTS ONLY: A consumer credit report will be requested upon submission of my application and subsequently for the purpose of reviewing any account originated pursuant to this application, to evaluate my credit worthiness prior to releasing loan funds to my school, for the purpose of taking collection action on the account(s), or for any other legitimate business purposes associated with the account(s).  Upon my request, I will be informed whether or not the consumer report was requested and the name and address of the consumer reporting agency that furnished the report(s).  Please note that you will request subsequent reports regarding the credit, if such credit is granted and accepted.
OHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
VERMONT RESIDENTS ONLY: By consenting below, I provide you with consent to obtain a credit report for each borrower in connection with this application for one or more loans from Citizens Bank, N.A.  In the event that such application is granted by the Lender and accepted by the Borrower(s), I further grant Lender consent to obtain credit reports related to the same credit transaction(s) for the purpose of reviewing the account, to evaluate my credit worthiness prior to making such loan(s), for the purpose of taking collection action on the loan(s), or for any other legitimate business purposes associated with the loan(s).
WISCONSIN RESIDENTS ONLY:
  • For married Wisconsin residents, your signature on this Student Loan Application and Promissory Note confirms that this loan obligation is being incurred in the interest of your marriage or family.
  • No provision of any marital property Note (pre-marital Note), unilateral statement under Section 766.59 or court decree under Section 766.70 adversely affects the interest of the Lender unless the Lender, prior to the time that the loan is approved, is furnished with a copy of the Note, statement, or decree or has actual knowledge of the adverse provision when the obligation to the Lender is incurred.

Submit Your Application


1

Open and read the Application Disclosures.

2

Open and read the Consent to Electronic Documents. Select your preference.

3

Open and read the Citizens One Privacy Notice.

Multi-Year Funds Request

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If your decision does not appear within five minutes, please call us at 800-721-3969.

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You will be asked to create an account so that you can complete your online application. If you already have a username and password, please log in below. International students must apply with a creditworthy U.S. citizen, or permanent resident cosigner.

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Create an Account
You have requested to add your contact information to an application your Cosigner has started. You will now be taken to a page where you can retrieve your Cosigner's application.

Retrieve Cosigner's Application
You have requested to sign an application that a Borrower has started. You will now be taken to a page where you can retrieve the Borrower's application.

Retrieve Borrower's Application

You already have a Citizens One Student Loan with Multi-Year Approval!

Is available for you to request

In under 2 minutes, request additional funds from your prior loan and skip the application!  You can also avoid a new hard credit inquiry by requesting funds.  It is the fastest way to secure your funding!