Citizens Bank Student Loan Refinance
Student loan refinancing from Citizens Bank with loyalty rate discounts and high maximum amounts.
Last checked on September 4, 2026. We may earn a commission when you click through.
Citizens Bank Student Loan Refinance
Updated 1 month agoAPR Range
4.89–9.74%
Amount
$10k–$500k
Term
60–240 months
Type
student_refinance
You'll be redirected to citizensbank.com
Our Verdict
Citizens Bank is one of the few top-20 banks offering competitive student loan refinancing. Loyalty discount (0.25%) for existing customers and one of the highest max amounts ($500K).
Best For
Existing Citizens Bank customers or borrowers with high student loan balances ($100K+)
Pros
- Top-20 US bank (stability)
- 0.25% loyalty discount for existing customers
- Up to $500,000 refinancing
- Parent PLUS loan refinancing
Cons
- $10,000 minimum
- Requires good credit history
- Variable rates can increase over time
About This Loan
Requirements
- US citizen or permanent resident
- Bachelor's degree or higher
- Minimum annual income $24,000
- Good credit history
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