Previously it was difficult for students to apply for a loan. They had to go shopping for a loan. Today everything is available online and for a Citibank Student Loan if you post a query on their website within a few minutes an executive from the bank gets in touch with you. The Citibank Student Loans program has many varieties of products. CitiAssist is one such. The process is made easy for more students to avail this opportunity to get educated in life. The interest rates on the loan are very competitive and there is a reduction rate of 0.75% in repayment. There is a grace period of six months after completing studies before you start repaying the Citibank Student Loan.

The major advantage of Citibank Student Loans is it is available to international students also. The only criteria is you should be above 18 years of age and get a permanent U.S citizen who is credit worthy as co- signer. The credit guidelines are flexible to accommodate a wide range of credit histories. The amount a student can borrow with Citibank Student Loans is $120,000 for graduate students and $150,000 for post graduate students. There is a maximum period of up to 20 years for repayment on Citibank Student Loans. Law school students have a special loan program from Citibank Student Loans.

Availing Citibank Student Loan Products is very easy. You can get your loan in a jiffy. All the Citibank Student Loan Products have more or less the same criteria. A student needs to be 18 years of age. He/she should be enrolled or about to be enrolled in a school. Even if you have already got a federal loan you are still eligible for Citibank Student Loan Products. These loans have easy repayment options. You can pay back up to 20 years. If you are regular in your repayments then you can have a reduction of 0.75% on the interest rate. The loan amount you are paying back is tax free.

Citi Assist law and bar study loan is for law school students only. You should be in your final year of law school and have expenses associated with studying for the Bar Exam. Law students with a positive credit history do not need a co- signer. All the other eligibility criteria are the same as graduate students. The interest rate is quite attractive at 7% and the options to pay back are very easy. You can also avail a $11,000 extra besides your loan amount to study for the bar exam.

Besides the above mentioned loans there is also loan from Citibank Student Loan Products for medical college. The criteria and procedure for applying is the same. K-12 Loan can assist you in paying for your child’s private school education and provide cost-saving benefits. So give your child the head start he/she needs to make a bright future with Citibank Student Loan Products.

Before you Co-sign a Citibank Student Loan, be sure that the student you are signing for is worth the trouble you are taking. Co-signing a Citibank Student Loan is not going to affect your credit history or credit score. It is just an assurance the bank takes from you that the student is credit worthy or under extraneous circumstances the loan amount may be recovered from you.

If the student has already got a federal loan then there is no fear to Co-sign a Citibank Student Loan. Only be clear about what you are signing and for whom. You can Co-sign a Citibank Student Loan online itself. Once you have Co-signed a Citibank Student Loan you can co- sign other loans as well. This doesn’t stop you from co-signing for others. Your credit history should be good and you should be above the age of 18 without any bankruptcy or court judgments on your credit report. All in all a co-signer should have a blemish less record of credit.

Before you Co-sign a Citibank Student Loan you should keep the social security number of the student along with Customer ID or Application Number. This is for your reference. You can sign for anybody as far as you know the student well. Also make sure that the student has an application in progress in a college or university. As a co-signer you may have to give personal information about your place of residence and employment and so on.

Keep all the particulars ready with you. Like the colleges you have applied for, course content, fee structure, your FAFSA and other relevant particulars. If there is a co-signer then you need to give his/her personal details like Social Security Number and so on. Once all the formalities are complete your loan will be sanctioned and you can ask the bank to pay it directly to the college itself.

The advantage of a Citibank student loan is you start paying back six months after you complete your studies. Meanwhile you have time to find a job. The interest rate is very reasonable and processing the loan is hassle free. If you are an international student then apply for a Citibank student Loan to study in the U.S. The criterion is you need to be 18 years of age and should have an admission with an American university and a co-signer who is an American citizen and is credit worthy. Sometimes even if the co-signer has a low credit score you can still avail the loan. Depending upon the university and the nature of subject you have taken your loan amount and interest rate will be decided. So, what are you waiting for? Log on to Citibank website and apply for a Citibank Student Loan now!

The Citibank Student Loan Rate is in tune with other lender rates so that you are gaining by keeping the borrowing costs down. Also these loans are for a long period of time. So the annual interest rate may vary as per market movements. You stand to gain from it. You can also consolidate your student loan and gain in interest at a later date. With education becoming expensive it is impossible to go to college without a loan.

The Citibank Student Loan Rate depends upon the credit score of the co-signer. The Citibank Student Loan Rates are available on the net. You can calculate and get the best deal for yourself. Also compare the Citibank Student Loan Rate with other lenders and see how competitive they are. Even k-12, loans are available at nominal interest and a returning period of 10 years. You are allowed to borrow up to $15,000 per year. Citibank’s benefit recovery feature lets you earn back your automatic interest rate reduction if it is ever lost due to a late payment.

For healthcare professionals the returning period is stretched to 25 years and they have loan rate that is competitive and reasonable. Check out all the schemes before you apply for a student loan.