The CitiAssist is a private loan offered through Citibank for undergraduate and graduate students that may be used to supplement other forms of financial aid. Graduate students who have established a positive credit history may apply on their own signature. If the student has no credit history a creditworthy co borrower must be added. All others must apply with a creditworthy co borrower. Students may be less than half time up to full time.
International students are eligible with a co-borrower who is a U.S. citizen or permanent resident.
Repayment starts after a six month grace period. Maximum in school deferment is 4 years from initial disbursement. Students may qualify for a one-year forbearance. Graduate students have up to 15 years to repay the loan, while undergraduates have 12 years. Lenders are wary of making loans to students who have an adverse credit history, eg.