Custom Choice Student Loan, powered by Citizens Bank, is a private lending solution dedicated to helping students bridge the gap between federal aid and the real cost of education. Designed with flexibility and affordability in mind, Custom Choice allows both undergraduate and graduate students to access competitive funding for tuition, room and board, books, and more. Since its launch, Custom Choice has earned a reputation for transparency, digital convenience, and a borrower-first philosophy. The application is entirely online, and borrowers benefit from Citizens Bank’s longstanding reputation for stability and customer service. With flexible repayment options, cosigner release, and no hidden fees, Custom Choice helps students and families manage education expenses with confidence. Whether you’re attending a four-year university, a community college, or a graduate program, this loan is built to simplify your financial journey. Explore how Custom Choice Student Loan can make your college experience more affordable and less stressful, while giving you full control and clarity over your borrowing decisions.

Custom Choice Student Loan offers private student loans for undergraduate and graduate students attending accredited colleges and universities nationwide. Backed by Citizens Bank, the loan provides a variety of financing options tailored to cover education costs beyond federal aid, including tuition, housing, meals, books, and supplies. Borrowers can choose from fixed or variable interest rates and benefit from no application, origination, or prepayment penalties—helping families save money over the life of the loan. Custom Choice also rewards borrowers for responsible financial management: make automatic payments to receive a 0.25% interest rate reduction, and upon graduation, you may qualify for a 2% principal reduction. Multiple repayment plans—deferred, interest-only, flat, and immediate repayment—ensure students can select the schedule that best fits their budget and career timeline. This full-featured service, delivered entirely online, empowers borrowers to make informed choices, access fast approvals, and enjoy ongoing support from a nationally recognized banking partner.

One of Custom Choice Student Loan’s biggest strengths is its focus on affordability and flexibility. Borrowers enjoy competitive interest rates that can be further reduced by enrolling in autopay, saving even more over time. The program’s 2% principal reduction upon graduation is a unique benefit, helping responsible graduates reduce their overall debt. There are no fees for application, origination, or early repayment, so you can borrow and repay on your own terms without penalty. Cosigner release is available after 36 consecutive on-time payments, which is ideal for students seeking to build their own credit after graduation. The loan amount can cover up to 100% of certified school costs, and a range of repayment options allows borrowers to start paying immediately, make interest-only payments, or defer payments until after graduation. Custom Choice’s A+ rating from the Better Business Bureau and its backing by Citizens Bank underscore its commitment to trustworthy, responsible lending.

Custom Choice Student Loan is open to U.S. citizens and permanent residents who are enrolled at least half-time in an eligible degree-granting program at an accredited institution. Applicants must meet credit and underwriting criteria, and most students will require a creditworthy cosigner to qualify or secure the best rates—particularly those with limited credit history. International students are not eligible, but the program welcomes both undergraduate and graduate borrowers from across the country. Eligibility also requires that your school certifies the need for the loan and verifies your enrollment status. Additional documentation, such as proof of income and expected graduation date, may be required during the application process. The straightforward online application and eligibility check make it easy for students and families to determine qualification quickly, and a responsive support team is available to answer questions throughout the process. Full eligibility details and tools are provided on the Custom Choice website.

Managing your Custom Choice Student Loan is seamless and secure, thanks to a robust digital platform. The entire process—from prequalification and application to ongoing loan management—can be completed online, giving you full visibility and control at every stage. The website provides user-friendly tools for estimating loan costs, exploring repayment scenarios, and tracking your progress toward cosigner release or principal reduction. Automatic payments can be easily set up, unlocking interest rate discounts and making financial management stress-free. Customer service is available via phone and online support, with knowledgeable representatives ready to answer questions or resolve issues. Security is a top priority, and all online interactions are protected by advanced encryption protocols. By prioritizing digital access, Custom Choice ensures that busy students and families can access support, submit documents, and manage payments on their own schedule—without the hassle of paper forms or in-person visits.

Custom Choice Student Loan is designed to provide students with maximum borrowing flexibility and control. The loan can be used for a wide variety of education expenses, from tuition and housing to textbooks and technology. Borrowers can choose from several repayment options, including deferred, interest-only, flat, or immediate full payments—allowing you to tailor your payments to your budget and future plans. Interest rates are competitive and may be fixed or variable, depending on your needs and credit profile. There are no application, origination, or prepayment fees, so you’ll never face surprise charges. A standout feature is the 2% principal reduction for graduates—a rare benefit among private lenders. The cosigner release program gives students the chance to take full financial responsibility after demonstrating a pattern of on-time payments. Whether you’re just starting your degree or preparing for graduation, Custom Choice adapts to your unique education journey.

Custom Choice Student Loan stands out for its unique blend of affordability, flexibility, and borrower-focused benefits. Backed by the financial strength and trusted reputation of Citizens Bank, it offers features that directly address the needs of students and their families. From a simple, online application to multiple repayment plans and no hidden fees, Custom Choice is built for convenience and transparency. The ability to lower your interest rate through autopay, the 2% principal reduction upon graduation, and the path to cosigner release all demonstrate a commitment to rewarding responsible financial habits. With dedicated support, a user-friendly digital platform, and a clear focus on helping students manage costs effectively, Custom Choice empowers borrowers to make smart, informed decisions about their education funding. For anyone seeking a reliable, customizable private loan, Custom Choice is a smart choice for reaching your academic and financial goals.