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Laurel Road Student Loans vs Citizens Bank Student Loans


 Laurel Road Student Loans
 
 

Laurel Road Student Loans

Citizens Bank Student Loans

 

Benefits and Features

Variable APR
2.99%-6.42%
2.63% to 7.98%
Fixed APR
3.5%-6.99%
3.20% to 8.34%
Maximum Amount
No maximum
$350,000
Minimum Amount
$5,000
$10,000
Loan Term
5 to 20 years
5 to 20 years
State Residency
All states eligible
All states eligible
Degree Requirements
Bachelor's or higher
None, but you must have made 12 on-time payments to be eligible
Income Requirements
None
$24,000
Employment RequirementsMust be employed or have an offerMust be employed or employed before first payment due date
Interest Only Payments
No
No
Origination Fees
None
None
Prepayment Penalty
None
None
Can Use a Cosigner
Yes
Yes
Can Release a Cosigner
Varies case by case
Yes
Auto-Pay Interest Rate Reduction
Yes
Yes
Soft Credit Check
Yes
Yes
Unemployment Protection
Yes
Yes

Laurel Road: Pricing information from published website as of 03/18/2018

Citizens Bank: Pricing information from published website as of 03/18/2018


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