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Laurel Road Student Loans vs Citizens Bank Student Loans

Laurel Road is a good option to maintain your federal loan grace period. How does it compare to Citizens Bank? Read our comparison chart below.

Laurel Road offers some of the most competitive refinance rates. There is no cap on the amount you can refinance, so it's a good choice for professionals who got a MBA, medical, or law degree. Minimum $5,000 in loans to be eligible.

While Citizens Bank provides private student loans and student loan refinancing & consolidation services. Graduation is not a requirement for refinancing, so it's a good choice for those who didn't complete their degree. Minimum $10,000 in loans to be eligible.

Compare Laurel Road with Citizens Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 Laurel Road Student Loans
 Learn MoreLearn More

Laurel Road Student Loans

Citizens Bank Student Loans


Benefits and Features

Variable APR
2.63% to 7.98%
Fixed APR
3.20% to 8.34%
Minimum Amount
Maximum Amount
No maximum
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
Employment RequirementsMust be employed or have an offerMust be employed or employed before first payment due date
Interest Only Payments
Origination Fees
Prepayment Penalty
Can Use a Cosigner
Can Release a Cosigner
Varies case by case
Auto-Pay Interest Rate Reduction
Soft Credit Check
Unemployment Protection

CreditDonkey® Reviews

 Laurel Road Student Loans
Customer Service
Loan Term
Ease of Use
Interest Rates
Payment Flexibility
Pros & ConsPros:
  • Low repayment options for medical residency
  • Keep federal grace period
  • Forgiveness is available due to disability
  • No mobile app
  • Forbearance options are on a case-by-case basis
  • Great if you haven't graduated college
  • Loyalty discounts for borrowers with a Citizens Bank account before enrolling
  • Good interest rates for a larger bank
  • They prefer if you have a co-signer
  • Federal loans cannot be on an income-driven repayment plan when applying
Bottom LineGood option to maintain your federal loan grace period... Read full reviewGood option if you have not finished your degree... Read full review

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

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

Which is Better: Laurel Road or Citizens Bank?

Still need help deciding which student loans is better? Read the in-depth reviews below. You may also be interested in comparing Laurel Road or CommonBond.

Articles on Laurel Road Student Loans

Articles on Citizens Bank Student Loans

    Citizens Bank Student Loans Review

    If you've exhausted your federal loan options and still need money for school, private loans may help. Citizens Bank claims to offer the lowest rates and best fees in the industry.

Which Do You Think is Best?

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    Best Student Loan Refinance

    What is the best company to refinance student loans? Read this guide to compare interest rates and find out if it's a good idea.

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About CreditDonkey®
CreditDonkey is a student loan comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

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