Consolidating federal student loans lower interest

See our Citizens Bank Student Loan page for important disclosure information.Other assumptions include a 21 month in-school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date. Actual rates and payment information may vary based on applicable terms. Citizens Bank reserves the right to modify interest rates at any time without notice.If approved you will be notified after you have submitted your application.Already have a multi-year approval loan and need additional funds for the upcoming semester? The zip code you entered is served by Citizens One, the brand name for Citizens Bank's lending business outside of our 11‑state branch footprint.Click here to apply for the ,000 scholarship by August 1.If you’re ready to advance your education, our MBA loan for business school can help.For example, the government’s Pay As You Earn (PAYE) and Income-Based Repayment (IBR) programs allow borrowers to make reduced monthly payments based on financial hardship.

Now that you know it’s an option and you understand how it works, you can better assess whether it’s right for you.These are clearly great programs for people who choose careers in public service or education, but if that’s not you, they won’t do you any good.There are also a number of federal loan repayment plans that can ease the burden for borrowers facing tough economic times.Take a look at our competitive interest rates and flexible repayment options below, and apply for a grad school loan today.See our Rates For a limited time, Citizens is offering a scholarship for two graduate students to help fund their potential.

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