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So Fi rate ranges are current as of September 14, 2018 and are subject to change without notice. Lowest variable rate of 2.570% APR assumes the current index rate derived from the 1-month LIBOR of 2.08% plus 0.740% margin minus 0.25% Auto Pay discount. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above.
For the So Fi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly.
Other assumptions include a 45 month in‑school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date.
Business and Law assumptions include a 21 month in-school period. Actual rates and payment information may vary based on applicable terms. Citizens Bank reserves the right to modify interest rates at any time without notice.
If you have a cosigner on a private student loan, you can refinance it without keeping them on the loan if you are eligible.
Here are Lend EDU’s picks for the 8 best student loan refinancing and consolidation companies: Offered terms are subject to change.
Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages, Personal Loans and Student Loans.
Lower your interest rate, reduce your monthly payment, fix a variable-rate, even remove a cosigner to gain financial independence and control. When you refinance multiple student loans, you combine several payments into one and potentially lower your total monthly payment.
APRs for variable rate loans may increase after origination if the LIBOR index increases.
The So Fi 0.25% Auto Pay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account.
, depending on the interest rate during the in-school period and the 6 month grace period. Such changes will only apply to applications taken after the effective date of change.
The zip code you entered is served by Citizens One, the brand name for Citizens Bank's lending business outside of our 11‑state branch footprint.
The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.