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CitiAssist® Loan from Citi
This private student loan is for students who are enrolled full time, half time, or less. It can be used to pay for tuition, books, or other school-related expenses when federal loans fall short. Apply today!
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.
Apply For Your CitiAssist Loan »
Benefits
- Variable interest rates ranging from 3.375% to 9.625% View APR Examples
- Zero origination fees
- No payments required while enrolled in school so you can focus on your studies
- Simple 3-step online application at studentloan.com
- Cosigners may be released after 24 consecutive on-time payments
- 0.25% interest rate reduction for auto-debit payments
Apply For Your CitiAssist Loan »
Services
- 24/7 online account management and we're just a phone call away for any questions.
- Offer a variety of online tools and calculators to help you successfully manage your private student loans.
Eligibility
- Available to students enrolled full-time, half-time, or less as well as international students.
- You must be at least 18 years of age, 19 in Alabama and Nebraska, 21 in Mississippi and Puerto Rico to be eligible for the CitiAssist Loan.
1 For CitiAssist Loans, the interest rate charged is based on the applicants' credit scores and other factors. You may apply for a loan on your own. However, if you do not have an established credit history you may apply with a qualified co-signer to increase your chances for approval and potentially receive a lower interest rate. International borrowers must always apply with a U.S. citizen or permanent resident co-signer. Co-signers may be released from the loan if the borrower has made the first 24 consecutive monthly principal and interest payments by the due date and the loan must remain current while the request is processed. The borrower must meet credit underwriting requirements and be a U.S. citizen or permanent resident at the time the release is requested. The three-minute response is for applications submitted Monday to Friday from 7:00 a.m. to 11:00 p.m. E.T. Additional documentation and data verification may be requested for loan approval. Visit studentloan.com for up-to-date product information.
Effective January 1, 2012, our interest rates will range between 3.375% and 9.625%, based on the three-month LIBOR Index as published in the "Money Rates" section of The Wall Street Journal rounded up to the nearest one-eighth of one percent, plus or minus a margin. As of Friday, December 16, 2011, the three-month LIBOR Index, rounded up, was 0.625%
2 Our auto-debit payment program provides a 0.25% interest rate reduction during repayment when a borrower enrolls in the program and agrees to receive only electronic statements. To retain this borrower benefit and avoid late fees, you must make and have your payments posted to your account no later than the scheduled due date. Any payment posted after the due date will result in the termination of such benefit. The interest rate reduction does not apply during periods of deferment or forbearance and automatically terminates upon loan delinquency, default or for payments returned due to insufficient funds or other reason.
3 Subject to maximum allowed aggregate borrowing limits and payment-deferral periods.
We reserve the right to modify or discontinue benefit programs at any time without notice. Any termination or modification of the program will not affect the terms of loans previously made. Specific terms and conditions apply, visit studentloan.com or call us at 1-800-STUDENT.
Private student loans are originated by Citibank, N.A.
