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Far too many people use a personal loan to consolidate debt, only to run up their credit card balances again. What is a pay day loan. Citizens Bank private student loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, and – if applicable – self-certification form, school certification of loan amount, and student’s enrollment at a Citizens Bank- participating school. The Annual Percentage Rate (APR) is the cost of credit as a yearly rate and ranges from 5.

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