Citizens Bank TruFit Student Loan®

Citizens Bank

Citizens Bank has a solution to manage college costs - the TruFit Student Loan. This private college loan program picks up where grants, scholarships, and federal loans leave off, giving students a smart and affordable way to cover remaining expenses. Apply today!

TruFit Benefits

  • No Origination Fees
  • Choose your rate type – Competitive FIXED and VARIABLE interest rates
  • Flexible Repayment Options – Immediate, Interest Only and Deferred
  • Apply for cosigner release after you make 36 consecutive, on time payments
  • Borrow up to the cost of education less financial aid
  • No prepayment penalty
  • Academic progress not required


  • Easy, online application process
  • Instant online credit decision
  • 24/7 online account management
  • Extended call center hours 8:30am to 8:00pm
  • Citizens Bank offers free Student Checking with online banking capability. Visit for more information. Please note that students do not need to have their student loans at Citizens in order to take advantage of their banking products.
  • Find helpful financial aid tools, such as our scholarship search tool and financial literacy information at
  • Citizens Bank is RBS Citizens, N.A. and Citizens Bank of Pennsylvania.

Apply With a Co-signer

While not required, we strongly encourage undergraduate students to apply with a creditworthy co-signer if they may have difficulty qualifying for a loan due to limited income and credit history. This may increase an applicant's chances of approval and of possibly obtaining a better interest rate.

Please note: due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private loan. To view the required application solicitation disclosure information please click here.