This loan, which has no origination, guarantee or repayment fees, can help out if federal loans don't quite cover the cost of your education. Interest rates are based on the Prime and your credit score, and rate reductions are available in repayment.
i use citi bank for my student loans. i have yet to have any real problems with them. ive never been turned down when i need a couple thousand more so make up the rest of my tuition. they are however a little slow sometime time getting the money to the school
Have about $100K overall student debt, about 1/2 of which is with Citibank. They take monthly payments directly from my Citibank checking account, but I don't get a statement or warning that they're going to do this, so that's frustrating. At least I have a non-fluctuating interest rate. Probably won't be able to pay these off for 20 years. I have three different loans with Citibank for some reason -- they never consolidated into one, but they do take all the money out in one chunk (about $350 per month for this loan group).
In attempting to pay off balance in full each time we talk to them we get a different $ payoff.(by thousands). I really wonder how many people are paying more than they should.
I've been mostly happy with CitiAssist since graduating from school in 2006. They adjust rates quarterly - based on prime - so it can take a few months for an interest rate change to trickle through. But it comes eventually.
Auto-payment is very reliable and consistent as well as the ability to make one off payments in order to pay down faster.
| Type | Today | Week Ago |
|---|---|---|
| 15 Year Fixed | 4.62%  |
4.67% |
| 30 Year Fixed | 5.15% | 5.15% |
| 1 Year ARM | 3.48% |
3.51% |
| 5/1 Year ARM | 3.62% |
3.68% |
| Type | Today | Week Ago |
|---|---|---|
| Line of Credit | 4.89%  |
4.88% |
| 10 Year Loan | 7.47% | 7.47% |
| 15 Year Loan | 7.61% |
7.60% |
| Type | Today | Week Ago |
|---|---|---|
| Interest Checking | 0.28% | 0.28% |
| Money Market/Savings | 0.38% | 0.38% |
| 12 Month CD | 1.13%  |
1.15% |
| 60 Month IRA CD | 2.40% |
2.41% |
| Type | Today | Week Ago |
|---|---|---|
| Cash Back Cards | 12.66% |
12.68% |
| No Annual Fee Cards | 12.08% |
11.97% |
| Reward Cards | 12.75% |
12.61% |
| Small Business Cards | 11.01% |
10.94% |
| Student Cards | 13.77% |
13.49% |
| Platinum Cards | 12.26% |
12.11% |
