Citizens Student Loan and Education Refinance

Start saving money while borrowing with exclusive member and family benefits!

Philadelphia Bar Association is proud to announce its new partnership with Citizens, dedicated to helping you and your family manage student loan debt with access to exclusive offers and expert financial advice. Whether you and your family are planning to pay for college or managing student loan payments, choose from flexible repayment options, low competitive rates and get up to a $1,000 principal credit reduction on new loans!1

To access these new exclusive student lending offers, login to your member account page and click on the "Citizens Student Loan and Education Refinance" tab.

1 To qualify for the principal balance reduction, the borrower or co-signer (if applicable) must have applied, be approved, and disburse a Citizens 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 or partner’s dedicated Citizens 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 Education Refinance Loan and Education Refinance Loan for Parents or per loan for the Citizens 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 cancelled. 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 reserves the right to modify these terms or cancel this offer at any point in the future for new applications.