International students pursuing higher education in the United States often face financial hurdles, as most federal financial aid options are unavailable to them.
However, private lenders like Citizens Bank and others provide solutions tailored for international students.
This article explores the 9 best Citizens Bank student loan options for international students, helping you make an informed decision.
Best Citizens Bank Student loan for International Students
| Loan Provider | Loan Amount | Co-signer Requirement | Interest Rates | Loan Terms | Eligibility Requirements |
|---|---|---|---|---|---|
| 1. Citizens Bank | Up to $150,000 | Yes | 4.72% – 12.59% | Up to 15 years | U.S. co-signer required for international students. |
| 2. Prodigy Finance | Up to $100,000 | No | 8.00% – 12.50% | Up to 20 years | Enrollment in eligible programs. |
| 3. MPOWER Financing | Up to $100,000 | No | 7.49% – 14.98% | Up to 10 years | Enrollment in partner universities required. |
| 4. Discover Student Loans | Up to $200,000 | Yes | 5.49% – 12.39% | Up to 15 years | Co-signer required for international students. |
| 5. Sallie Mae | Up to $200,000 | Optional | 4.62% – 13.83% | Up to 15 years | Enrollment in a U.S. institution. |
| 6. College Ave Student Loans | Up to $150,000 | Yes | 5.99% – 13.74% | 5 to 15 years | Requires a U.S.-based co-signer. |
| 7. Earnest Student Loan | Up to $250,000 | Yes | 4.45% – 12.78% | 5 to 20 years | Requires a U.S.-based co-signer. |
| 8. Wells Fargo Student Loans | Varies | Yes | 5.59% – 12.99% | Up to 15 years | U.S. co-signer required. |
| 9. Ascent Student Loans | Up to $200,000 | Optional | 4.07% – 13.66% | 5 to 20 years | Enrollment in eligible graduate or undergraduate programs. |
1. Citizens Bank Student Loans
Citizens Bank is a popular choice for international students with access to a U.S.-based co-signer.
- Loan Amount: Up to $150,000.
- Interest Rates: Fixed: 4.72% – 12.59%; Variable: 4.22% – 11.99%.
- Loan Terms: Flexible repayment terms up to 15 years.
- Eligibility Requirements: Must have a U.S. co-signer and be enrolled in an accredited U.S. institution.
2. Prodigy Finance
Prodigy Finance specializes in loans for international students pursuing master’s programs.
- Loan Amount: Up to $100,000.
- Interest Rates: 8.00% – 12.50%, no co-signer required.
- Loan Terms: Up to 20 years.
- Eligibility Requirements: Enrollment in eligible graduate programs at partner universities.
3. MPOWER Financing
MPOWER Financing is ideal for students who do not have a U.S.-based co-signer.
- Loan Amount: Up to $100,000.
- Interest Rates: 7.49% – 14.98%, fixed rates only.
- Loan Terms: Up to 10 years.
- Eligibility Requirements: Enrollment in MPOWER partner universities and programs is mandatory.
4. Discover Student Loans
Discover offers a comprehensive loan solution for international students who can secure a co-signer.
- Loan Amount: Up to $200,000, depending on the program’s cost of attendance.
- Interest Rates: 5.49% – 12.39%, with both fixed and variable options.
- Loan Terms: Up to 15 years.
- Eligibility Requirements: A creditworthy co-signer is required for international students.
5. Sallie Mae
Sallie Mae is a trusted name in student lending, offering flexible loans for various academic levels.
- Loan Amount: Up to $200,000.
- Interest Rates: Fixed: 4.62% – 13.83%; Variable: 5.00% – 13.41%.
- Loan Terms: Up to 15 years.
- Eligibility Requirements: Enrollment in a U.S. college or university is mandatory.
6. College Ave Student Loans
College Ave provides streamlined loan options for graduate and undergraduate students.
- Loan Amount: Up to $150,000.
- Interest Rates: Fixed: 5.99% – 13.74%; Variable: 5.59% – 13.44%.
- Loan Terms: Flexible repayment terms ranging from 5 to 15 years.
- Eligibility Requirements: A U.S.-based co-signer is mandatory for international students.
7. Earnest Student Loans
Earnest offers tailored loans with flexible repayment options and competitive rates.
- Loan Amount: Up to $250,000.
- Interest Rates: Fixed: 4.45% – 12.78%; Variable: 4.07% – 11.99%.
- Loan Terms: 5 to 20 years.
- Eligibility Requirements: Requires a U.S.-based co-signer and enrollment in an accredited program.
8. Wells Fargo Student Loans
Wells Fargo offers student loans with competitive rates for international students with co-signers.
- Loan Amount: Varies depending on program needs.
- Interest Rates: Fixed: 5.59% – 12.99%; Variable: 5.22% – 11.59%.
- Loan Terms: Up to 15 years.
- Eligibility Requirements: U.S. co-signer and enrollment in an accredited U.S. institution required.
9. Ascent Student Loans
Ascent is a flexible lender offering both co-signed and non-co-signed loans for international students.
- Loan Amount: Up to $200,000.
- Interest Rates: Fixed: 4.07% – 13.66%; Variable: 3.91% – 12.65%.
- Loan Terms: 5 to 20 years.
- Eligibility Requirements: Enrollment in eligible graduate or undergraduate programs required.
Quick One: We have other useful loan articles here.
Frequently Asked Questions
Do I need a co-signer for a Citizens Bank student loan?
Yes, international students typically require a U.S.-based co-signer to qualify for Citizens Bank loans.
What is the maximum loan amount offered by Citizens Bank?
Citizens Bank offers student loans up to $150,000, depending on the cost of attendance.
Are there options without a co-signer?
Yes, lenders like Prodigy Finance and MPOWER Financing provide loans without the need for a co-signer.
Conclusion
Financing education in the U.S. as an international student is possible with private loans tailored to your needs.
Citizens Bank stands out for its competitive rates and terms, provided you can secure a U.S.-based co-signer.
Other options like Prodigy Finance and MPOWER Financing cater to students without co-signers.
Review the 9 best Citizens Bank student loans for international students in this guide to determine the best fit for your academic journey.
