College Planning

Preparing for Financial Aid: in 15 Min

September 23, 2017
9:00 AM - 9:30 AM, EDT
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Live FAFSA Review

September 26, 2017
4:30 PM - 5:00 PM, EDT
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Current Loan Products

Private student loans can help pay college expenses after all scholarships, grants and free financial aid options have been exhausted. It is recommended that students compare federal and private student loans to find the loans that best fit their needs.

Contact an Education Loan Specialist at 1-888-422-2536

Variable Rate Loan Options

These Annual Percentage Rates are variable, which means they may increase during the term of your loan.

Loan Name Rate Reward Loan Amount
Citizens Bank
Student Loan
3.12% APR to 11.12%1 APR N/A Up to $90k for
Undergraduate Degrees
Up to $295k* for
Graduate Degrees
(based on degree type)
Learn More and Apply Now
AAA Advantage
Student Loan,
funded by
SunTrust Bank
3.001% APR to 9.250% APR4 3.00%5 Minimum loan amount:
$1,0016 Annual loan maximum:
$65,0007
Learn More and Apply Now
Sign into your student loan account Log-in
Fixed Rate Loan Options
Loan Name Rate Reward Loan Amount
Citizens Bank
Student Loan
5.25% APR to
11.75% APR1
N/A Up to $90k for
Undergraduate Degrees
Up to $295k* for
Graduate Degrees
(based on degree type)
Learn More and Apply Now
AAA Advantage
Student Loan,
funded by
SunTrust Bank
Fixed:
4.751% APR to
10.700% APR5
3.00%5 Minimum loan amount:
$1,0016 Annual loan maximum:
$65,0007
Learn More and Apply Now
Sign into your student loan account Log-in

Citizens Bank

1Undergraduate Rate Disclosure: : Variable rate, based on the one-month London Interbank Offered Rate ("LIBOR") published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of July 1, 2017, the one-month LIBOR rate is 1.22%. Variable interest rates range from 3.12% - 11.12% (3.12% - 11.12% APR) and will fluctuate over the term of the loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 5.25% - 11.75% (5.25% - 11.75% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown requires application with a co-signer, are for eligible applicants, require a 5-year repayment term, borrower making scheduled payments while in school and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of the loan.

Parent Rate Disclosure: Fixed interest rates range from 5.95% - 6.55% (5.95% - 6.55% APR) based on applicable terms as of June 8, 2016. 6.05% APR requires a 10-year repayment term and includes our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. For example, a $10,000 loan with a 5-year term and immediate repayment at 5.95% APR will result in 60 monthly payments of $191.60. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. The federal rate of 6.31% applies to PLUS loans first disbursed between 7/1/16 and 6/30/17.

2 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. 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.

3 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.

Rates and offer subject to change. All accounts, loans and services subject to individual approval. Member FDIC. © 2017 Citizens Financial Group, Inc. All rights reserved. Citizens Bank is a brand name of Citizens Bank, N.A. and Citizens Bank of Pennsylvania.


Suntrust BankTM

Before applying for a private student loan, AAA Northeast Bank and SunTrust recommend comparing all aid alternatives including scholarships, grants, and both federal and private student loan options.

4 The variable interest rate for each calendar month is calculated by adding the current One-month LIBOR index (captured on the 25th day, or the next business day thereafter, of the month immediately preceding such calendar month and rounded up to the nearest 1/8th of one percent) to your margin. The current One-month LIBOR index is 1.250% on 07/01/2017. LIBOR stands for London Interbank Offered Rate. The One-month LIBOR is published in the "Money Rates" section of the Wall Street Journal (Eastern Edition). The interest rate will be determined after you apply. The variable interest rate and Annual Percentage Rate (APR) depend upon (a) the student’s and cosigner’s (if applicable) credit histories, (b) the repayment option and loan term selected, and (c) the requested loan amount and other information provided on the online loan application. If approved, applicants will be notified of the rate qualified for within the stated range. The variable interest rate will increase or decrease if the One-month LIBOR index changes. Rates and terms effective for applications received on or after 07/01/2017. IMPORTANT NOTE: One-month LIBOR will be 1.125% until June 30, 2017; rates shown use the One-month LIBOR of 1.250%, effective as of 7/1/2017.

5 The 3% principal reduction is based on the net disbursed loan amount, which is the total dollar amount of all disbursements made, excluding the dollar amount of any reductions, cancellations, or returns, as applicable. To receive the reward, the benefit must be requested from the servicer, the student borrower must have earned a bachelor’s degree or higher, proof of such graduation (e.g. copy of diploma, final transcript or letter on school letterhead) must be provided to the servicer and proof of the borrower’s or cosigner’s current AAA membership must be provided to the servicer. This reward is available once during the life of the loan, regardless of whether the student borrower receives more than one degree.

6 The minimum loan amount is $1,001 with exceptions based on the student’s state of permanent residence, as follows: Alaska: $5,001, Colorado: $3,001, New Mexico: $2,501, Oklahoma: $5,001, Rhode Island: $5,001, South Carolina: $3,601.

7 The maximum annual loan amount for the upcoming semester/academic period is determined by the school’s cost of attendance, minus other financial aid such as federal student loans, scholarships or grants, up to $65,000 subject to an aggregate maximum student loan debt limit of $150,000 which includes all student loans and certain unsecured, consumer debt.

8 Current fixed interest rates depend on (a) the student’s and cosigner’s (if applicable) credit histories, (b) the repayment option and loan term selected, and (c) the requested loan amount and other information provided on the online loan application. If approved, applicants will be notified of the rate qualified for within the stated range. The fixed rate assigned to a loan will never change except as required by law or if you request and qualify for the ACH reduction benefit(s) or on-time payment benefit. Rates and terms effective for applications received on or after 07/01/2017.

All advertised rates are current as of the date displayed and are subject to change without notice. available to international students who apply with an eligible cosigner who is a U.S. citizen or permanent resident alien. It is not available to students or cosigners whose permanent residency state is Iowa or Wisconsin.

SunTrust Bank, Member FDIC. © 2017 SunTrust Banks, Inc.

The creditor for this program is SunTrust Bank. SunTrust Bank reserves the right to change or discontinue this AAA Advantage Student Loan program without notice. This loan program is subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions.

SunTrust Bank may sell your AAA Advantage Student Loan to a third party. All borrower benefits set forth in your credit agreement that are not subject to the discretion of SunTrust Bank must be honored by any potential purchaser provided you qualify for such benefits. SunTrust is a federally registered trademark of SunTrust Banks, Inc. and is used with the permission of SunTrust Bank.

The First Marblehead Corporation is not an affiliate of SunTrust Bank.

Current Loan Products

Limited-time offer! Save up to $500 when you refinance your student loans with Citizens Bank between 9/5/17 and 10/15/17.*

Lighten your loan payment with the new Citizens Bank Education Refinance Loan®. AAA Northeast Bank has partnered with Citizens Bank to introduce you to their Education Refinance Loan that allows you to refinance or consolidate your student loans.

Customers have saved an average of $137/month or $1,644/year1.

If your old student loans are standing in the way of your dreams, the new Education Refinance Loan from Citizens Bank may be the answer. Refinancing lets you consolidate one or more private or federal student loans2 into a single low-interest rate loan3.


Learn More and Apply

*Principal Balance Reduction Offer: Offer available from 9/5/17 - 10/15/17. To qualify for the offer, the borrower and co-signer (if applicable) must submit a completed application between 9/5/17 and 10/15/17, including authorizing us to review the credit request for an Education Refinance Loan. Qualified borrowers will receive a reduction in their principal balance equal to one percent (1%) of the disbursed loan amount or $500.00, whichever is less. The Education Refinance Loan must be active and in good standing at the time the Principal Balance Reduction Benefit is applied. Only one Principal Balance Reduction Benefit is allowed per applicant. Principal reduction will be applied with an effective date equal to the loan’s disbursement date. Principal reduction may take up to  2nd billing cycle to display on monthly statement. The Principal Balance Reduction Benefit will be processed as a reduction of principal to the Education Refinance Loan and will not impact the required monthly payment amount or the payment due date for the loan. The value of the Principal Balance Reduction Benefit may be reported to the IRS. You are solely responsible for any taxes that may be owed as a result of the principal balance reduction earned. Please consult your tax advisor. Citizens Bank, N.A. does not provide tax advice. Citizens Bank Student Loans reserves the right to modify the terms of this offer at any point in the future for new applications.



Disclosure:

1 Average savings based on 42,744 actual customers who refinanced their federal and private student loans through our Education Refinance Loan between January 6, 2014 and July 31, 2016. The borrower’s savings might vary based on the interest rates, balances and remaining repayment term of the loans they are seeking to refinance. The borrower’s overall repayment amount may be higher than the loans they are refinancing even if their monthly payments are lower.

2 Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review.

3 Education Refinance Loan disclosure:
Eligible applicants may not be currently enrolled, must be in repayment of their existing student loan(s) and must make the minimum number of principal and interest payments after leaving school. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify or discontinue these benefits at any time. Any changes to these benefits will not affect loans issued prior to the change date. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned.

Rates and offer subject to change. All accounts, loans and services subject to individual approval. Member FDIC. © 2016 Citizens Financial Group, Inc. All rights reserved. Citizens Bank is a brand name of Citizens Bank, N.A. and Citizens Bank of Pennsylvania.

AAA Northeast has partnered with Citizens Bank® to offer a NEW private student loan for parents. The Citizens Bank Student Loan™ for Parents – for approved borrowers – offers a lower interest rate than the Federal Direct PLUS Loan – and has no origination fee. You could save $604 in origination fees when compared to the Federal Direct PLUS Loan.*

No application, origination or disbursement fees.
No prepayment penalty
Fixed rates
Payment options included – immediate repayment or interest only while the student is enrolled in school

Learn More and Apply

Citizens Bank Student Loan for Parents is originated by Citizens Bank, N.A.


*Average savings are calculated using the 2016/2017 Award Year Federal Direct PLUS Loan program reporting (as of 5/03/2017 for quarter ending 12/31/2016 not including Grad PLUS) of originations of ~$11.1 billion to 740,097 borrowers through 769,597 loans with an average loan size of $15,035.30. Average fee savings is possible with either private student loan option we offer, including the Citizens Bank Student Loan® or the Citizens Bank Student Loan® for Parents.

1Repayment Terms at https://www.citizensbank.com/student-loan-disclosures/default.aspx

Citizens Bank Student Loan for Parents Eligibility Information: Borrowers must be a creditworthy U.S. citizen or permanent resident residing in the U.S. and must have attained the age of majority in their state of residence. The student whose education expenses will be paid for with the loan proceeds must be a U.S. citizen or permanent resident and must be enrolled at least half-time in a degree granting program at a Citizens Bank-participating school. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Citizens Bank private student loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, and if applicable, self-certification form, school certification of the loan amount, and student’s enrollment at a Citizens Bank-participating school.

Parent Rate Disclosure: Fixed interest rates range from 6.64% - 7.24% (6.64% - 7.24% APR) based on applicable terms as of May 31, 2017. 6.74% APR requires a 10-year repayment term and includes our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. For example, a $10,000 loan with a 5-year term and immediate repayment at 6.64% APR will result in 60 monthly payments of $193.09. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. The federal rate of 7.00% applies to PLUS loans first disbursed between 7/1/17 and 6/30/18.

Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower has a qualifying account in existence with us at the time the borrower has 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 Benefit 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.

Rates and offer subject to change. All accounts, loans and services subject to individual approval. Member FDIC© 2016 Citizens Financial Group, Inc. All rights reserved. Citizens Bank is a brand name of Citizens Bank, N.A. and Citizens Bank of Pennsylvania.

Through our association with AAA Northeast Bank, we are pleased to present access to a variety of Private Student Loans To meet your college needs. AAA Northeast Bank has established a network of participating lending institutions which offer Private loans to help fill the funding gap in the event federal loans, scholarships and grants do not cover all your education expenses.

All advertised rates are current as of the date displayed and are subject to change without notice. All loans are subject to the lender's receipt and approval of a completed loan application. The APR and loan fees applicable to your loan will depend on several factors, including the repayment option you select and your credit history. AAA Advantage Loans are made by Suntrust Bank. The creditor for this program is SunTrust Bank. Member FDIC. SunTrust Bank reserves the right to change or discontinue this AAA Advantage Student Loan program without notice. SunTrust Bank may sell your AAA Advantage Student Loan to a third party. All borrower benefits set forth in your credit agreement that are not subject to the discretion of SunTrust Bank must be honored by any potential purchaser provided you qualify for such benefits. ©2015 SunTrust Banks, Inc. SunTrust is a federally registered trademark of SunTrust Banks, Inc. and is used with the permission of SunTrust Bank.

The APR and loan fees applicable to your loan will depend on (1) the credit histories of the student and, if applicable, the cosigner, (2) the repayment option and loan term selected, and (3) the requested loan amount and other information provided on the online loan application. AAA Advantage Student Loans are funded by SunTrust Bank. AAA encourages prospective borrowers to exhaust scholarships, grants, and federal student loan options before applying for a private student loan.

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