Student loan financing has become dominated by alternative lenders. With “reformed bankers” and former mainstream financial execs leading online lending platforms like SoFi and CommonBond, it’s easy to forget that more than a few banks occupy the space too. While giants like Wells Fargo and Navy Federal Credit Union offer student loan refinancing, a regional bank headquartered in Providence, Rhode Island, has taken a lead position among its peers. Citizens Bank serves traditional banking customers in 11 states in New England, the Mid-Atlantic and Midwest but has grown to become a national player in the hunt for student loan refi business.

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