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Student Loan

Get the money you need to help make higher education happen

Custom Choice Loan®

Service First has partnered with Cognition Financial to bring you the Custom Choice Loan®, a private student loan that could help pay for college. You worked hard to get into college, let us help you pay for it.

If you’ve explored all your higher education financing options and you’re still falling short, a Custom Choice Loan could help fill the gap. Whether you are paying for tuition, housing, or other school certified expenses, this unique private student loan is a competitive choice that gives you the tools to achieve your goals.

  • Multiple repayment options to choose from
  • Easy online application – prequalify1 in minutes
  • No fees

Apply now for a Custom Choice Loan and take advantage of low rates or click to Learn More.

Before applying for a private student loan, Citizens and Cognition Financial recommend comparing all financial aid alternatives including grants, scholarships, and both federal and private student loans. 

The Custom Choice Loan® is made by Citizens (“Lender”).  All loans are subject to individual approval and adherence to Lender’s underwriting guidelines.  Program restrictions and other terms and conditions apply.  LENDER AND COGNITION FINANCIAL CORPORATION EACH RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. TERMS, CONDITIONS AND RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.

1 In order to provide you with a range of rates you prequalify for, Citizens will perform a soft credit inquiry, as authorized by you. Soft credit inquiries do not affect your credit. If you prequalify, the rates and loan options offered to you are estimates only.  Once you choose your loan options and submit your application, Citizens will perform a hard credit inquiry. Loan approval, options, and final rates depend on the verification of information provided on your application, and information obtained from the hard credit inquiry (and any cosigner’s hard credit inquiry.

Custom Choice Loan® is a service mark used under license.

Citizens is a brand name of Citizens Bank, N.A.  Member FDIC.

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