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Student Loans

We provide access to several providers who may help with your student loans and student loan refinancing but the only lender we recommend and recommend strongly is CITIZENS BANK


Citizens One Student Loans


Up to $1,000 off a refinance loan or $500 off a new student loan

  Consumer Credit Counseling Service

Personalized advice on debt management






Refinance your student loan and save thousands + $100 bonus




A $400 bonus for refinancing a student loan




Citizens Bank


Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions. Citizens offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions.

As a leader in student lending with more than 40 years’ experience, Citizens has underwritten more than $10 billion combined In School and Education Refinance Loans within the past five years to help students, graduates and families with their student lending needs. We believe in helping families fund the college dream with flexible repayment options to fit their budget, competitive fixed and variable interest rates, and no application and origination fees that are designed specifically for undergraduate, graduate and professional degrees and for parents, too. Plus, flexible, refinance options for recent graduates and parents.

The CARES Act initially suspended Federal student loan payments until September 30th; however, this relief has been extended to December 31st. It’s important that you understand this relief policy and assess your private and/or Federal student loans while keeping in mind key repayment considerations.

To ensure you know your options, Citizens invites you to attend a live webinar which will highlight repayment strategies and the potential impact on your cash flow, along with details about the Federal student loan payment relief extension.

Who is this session best for? Anyone who is paying back their own student loan debt or a family member’s.


About the Offer:


  • You and family members could get up to a $500 credit on a new student loan and up to a $1,000 credit on a new refinance loan.1

  • If you choose to refinance with a Citizens Bank Education Refinance Loan, you could get a $500 Gift Card2 in addition to up to a $1,0001 credit toward your loan.  This is a special offer for my Better Benefits members through December 31, 2020.

  • Plus, as a current Citizens Bank account customer, you save up to .50% off your interest rate with automatic payments.3

Get your personalized refinance loan rate in 2 minutes.4 Apply or find out more here.





1 To qualify for the principal balance reduction, the borrower or co-signer (if applicable) must have applied, be approved, and disburse a Citizens Bank Education Refinance Loan, Education Refinance Loan for Parents, Student Loan, Student Loan for Parents, Bar Study Loan, or Medical Residency Loan through the employer’s dedicated Citizens Bank website. The principal balance reduction will be calculated as 1% of the amount financed with a maximum of $1,000 for the Education Refinance Loan and Education Refinance Loan for Parents, a minimum of $50/maximum of $500 for the Student Loan or Student Loan for Parents, a minimum of $50/maximum of $160 for the Bar Study Loan, and a minimum of $50/maximum of $200 for the Medical Residency Loan. The loan must be in good standing at the time the Principal Balance Reduction Benefit is applied. Only one Principal Balance Reduction Benefit is allowed per primary borrower for the Citizens Bank Education Refinance Loan and Education Refinance Loan for Parents or per loan for the Citizens Bank Student Loan, Student Loan for Parents, Bar Study Loan, and the Medical Residency Loan. Principal balance reduction will be applied with an effective date equal to the loan’s first disbursement date. Principal balance reduction may take up to the second month following the loan’s final disbursement date to be applied and may be reduced if the loan amount is reduced or canceled. The Principal Balance Reduction Benefit will be processed as a reduction of the loan’s principal balance and will not impact the required monthly payment. The borrower is solely responsible for any taxes that may be owed as a result of the principal balance reduction earned. A tax advisor should be consulted. Citizens Bank, N.A. does not provide tax advice. Offer cannot be combined with other promotions, discounts or offers – automatic payment and loyalty discounts excluded. Citizens Bank reserves the right to modify these terms or cancel this offer at any point in the future for new applications.


2Restrictions apply: see amazon/gc-legal for complete terms and conditions. The borrower and cosigner (if applicable) must submit a completed application, including authorizing us to review the credit request for an Education Refinance Loan. To qualify for this offer: 1) You must apply through the link in this email or call 1-888-411-2389 and mention this offer and 2) Be approved to refinance a minimum amount of $40,000 in student loans. The $500 Gift card will be delivered to the borrower via email within 90 days of the loan disbursement date. A valid email must be provided to receive gift card. Limit one gift card per borrower. Citizens Bank reserves the right to modify the terms of this offer at any point in the future for new applications. Offer only valid from September 7, 2020 through December 31, 2020. Gift card amount may be reported to the IRS.

Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.

Selecting “Get My Rate” only requires a “soft credit pull” which does not affect your credit score. Submitting a full application results in an inquiry on your credit report.

Rates and offer subject to change. All accounts, loans and services subject to individual approval.

© 2020 Citizens Financial Group, Inc. All rights reserved. Citizens Bank is a brand name of Citizens Bank, N.A. Member FDIC.







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my Better Benefits

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