Citizen One Student Loans

Citizen One Student Loans

5 min read


What does Citizen Two do?

Student loans have become a major issue and concern for many residents, students, parents and educators. We want to make sure everyone has access to higher education and we’re trying to find ways to keep student loans at their lowest cost.

Why did Citizen One start a student loan company?

We started the company because student loans were becoming too expensive and people were having trouble paying them back after graduation. When we saw how much money there was being spent on student loans, we wanted to create a cheaper alternative.

How will you help lower the cost of student loans?

Our goal is to be able to offer loans for less than 2% interest per year. Many lenders currently charge 9% interest rate or more. We’ll try to negotiate with the big banks and credit unions about lowering rates. We think we can help lower the costs of studying by around 20%.

How are you going to prevent any fraud or abuse?

We’ve built our website with security measures in place to protect against identity theft. And we’re already working on tracking down companies that run afoul of consumer laws and reporting them.

Do you plan to partner with any universities?

Yes, we plan to work with local community colleges and state schools to increase awareness about the project. We’d love to have some of the professors teach classes on student loans while they’re teaching their current courses.

Will you only lend to US citizens?

No. Citizenship isn’t required to apply for a loan. But if someone wants to take advantage of our service, then they will need to provide documentation showing where they live.

Citizen One Student Loans

I am a firm believer that education should not only be free for everyone but also accessible to all people. I believe in the power of learning and being able to help yourself. Having access to higher education helps you get ahead in life and gives you opportunities to succeed.

For those who do not know, citizen one student loans (CISL) was created to provide affordable student loans to students who may need them to attend school. These loans are intended to aid those who cannot afford loans at traditional banks.

The loan process is simple, fast, and convenient. At, we make obtaining these loans fun and easy! We offer a wide range of loan options including direct subsidized/unsubsidized loans, PLUS option, and private alternative loans.

*We have partnered with Edvisors to create a special discount for our readers. If you use the code “cisland” in checkout, you will receive 15% off any CISL plan.

This video is a step-by-step video guide to the process of applying for student loans. There are 4 steps to apply for student loans: find eligible schools, choose a program, fill out the FAFSA, and apply.

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Citizen One Student Loans

This is a video explaining how I get student loans fast at Citizen one. For questions?

DISCLAIMER: The information provided here about Citizen One Student Loans is published by CitizensOne Bank (a member FDIC) & CreditFirm® for educational purposes only and not legal or tax advice. All statements included here are subject to change without notice, please consult Citizen One Student Loan’s terms for specific details regarding any particular loan application. While we believe the content to be accurate, we make no representations or warranties as to its accuracy or completeness and assume no liability resulting from the use of this information. You should consult your own financial advisor, CITIZEN ONE BANK™, CreditFirm®, and all others connected with your specific circumstances before acting upon this information.

CitizensOne Bank does not guarantee that the user will receive credit approval, nor is it obligated to provide you with any financing under any circumstance. Not all applicants will qualify for services provided by CitizensOne Bank. Information deemed reliable but is not guaranteed. Copyright 2018 Citizen One Financial Services Corporation. All rights reserved.

Citizen One

Student loans have been around since 1965 and were created to allow people to obtain higher education without having to pay upfront for their tuition fees. However, over time these student loans grew bigger and bigger, which resulted in many people becoming indebted beyond what they could afford. In 2010, the total amount owed to Citizens Bank was $44 billion dollars.

Education loan forgiveness

In 2004, Congress passed legislation (PL 108-275) that allowed college graduates who had taken out private student loans at 6 percent interest rates to receive income based repayment plans if they worked in public service jobs. These types of jobs included teachers, doctors, nurses, police officers, firefighters, social workers, corrections officers, and child care providers. By 2014, the number of people enrolled under this program had increased to 26 million.

Student debt crisis

Many students take on debt to finance their college educations. A study released in 2015 showed that only about 1.8% of Americans between the ages of 18 and 29 hold no type of debt. Another study showed that 25% of millennials carry debt from medical bills, 20% carry credit card debt, 16% hold auto repair debt, 12% owe money to utilities companies, and 10% owe money to furniture companies.


The Free Application for Federal Student Aid, or FAFSA, is a free government application that helps families figure out how much financial aid they may qualify for. Students use the FAFSA to determine eligibility for federal grants and loans. After filling out the FAFSA, parents who are eligible for certain programs can fill out the FAFSA again to apply for additional funds. The IRS requires students to file the FAFSA before they can register for classes.

Stafford Loan

The Federal Family Education Loan Program, commonly known as the Stafford Loan, is a federally funded program that offers low fixed interest rate loans to undergraduate students. Undergraduate students who meet the criteria are able to borrow up to $20,500 per academic year. Borrowers must begin repaying their loan once they earn enough money from a job or after graduation. Repayment begins six months after graduation.

Perkins Loan

The Perkins Loan offers low fixed interest rate loan to undergraduates who work in high-demand fields like science, technology, engineering, and mathematics, or STEM fields. The maximum loan amount is capped at $10,000. Undergraduates who do not work in STEM fields are unable to apply for the Perkins Loan. Graduating seniors can borrow an extra $4,050 if they attend an eligible institution.


To help graduate students cover costs, the government provides the Parental Plus Loan for Graduate Students. Parents who co-sign for a student on a PLUS Loan are responsible for any unpaid balance on the loan. If the parent defaults on the loan, the bank may garnish the borrower’s wages. Unlike the other student loans, the PLUS Loan does not offer income-based repayment options.

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