Citizens Bank's refinancing offerings are very similar to other lenders—though its interest rates are below the average. Where it really shines is in its qualification requirements, because it allows resident aliens in the US to borrow, as well as people who did not graduate from college. Very few lenders out there offer this, so Citizens Bank is virtually the only student loan refinancing option for people who check either of those boxes. Since their customer reputation is not so great, prospective borrowers should inform themselves thoroughly on the company's practices.