Citizens One Student Refinance®

There is no better time than TODAY to refinance your student debt. AAA Members who refinance their student loans through Citizens One® are eligible for a $250 payment1 toward their principal balance. Citizens One customers have saved an average of $212/per month, or $2,544 per year!*

Top reasons to refinance with Citizens One Student Refinance®:

  • Potentially lower your monthly payments
  • Get a new competitive rate
  • Simplify and combine multiple loans into one monthly payment
  • Pay off loans faster for long-term savings
  • Lock in a fixed rate before rates rise

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Financial Services

Borrowers must use the above link to apply.

AAA may be compensated for the referral of student loan customers.

*Estimated average savings amount is based on 14,659 Education Refinance Loan customers who saved on loans between August 1, 2017 and July 31, 2018. The calculation is derived by averaging monthly savings across Education Refinance Loan customers whose payment amount decreased after refinancing, calculated by taking the monthly payment prior to refinancing minus the monthly payment after refinancing. We excluded monthly savings from customers that exceeded $4,375 and were lower than $20 to minimize risk of data error skewing the savings amounts. Savings will vary based on interest rates, balances and remaining repayment terms of loans to be refinanced. Borrower's overall repayment amount may be higher than the loans they are refinancing even if monthly payments are lower. 

1. To qualify for the offer, the borrower and co-signer (if applicable) must apply for, be approved, and disburse a Citizens One Education Refinance Loan through the AAA customer dedicated Citizens One Student Lending website The Education Refinance Loan must be in good standing at the time the Principal Balance Reduction Benefit is paid. Only one Principal Balance Reduction Benefit is allowed per applicant. Principal reduction will be applied with an effective date equal to the loan’s disbursement date. Principal reduction may take up to  2nd billing cycle to display on monthly statement. The Principal Balance Reduction Benefit will be processed as a reduction of principal to the Education Refinance Loan and will not impact the required monthly payment amount or the payment due date for the loan. The value of the Principal Balance Reduction Benefit may be reported to the IRS. You are solely responsible for any taxes that may be owed as a result of the principal balance reduction earned. Please consult your tax advisor. Citizens Bank, N.A. does not provide tax advice. Citizens One Student Loans reserves the right to modify the terms of this offer at any point in the future for new applications.