HOME ABOUT US MANAGEMENT TEAM CONTACT US CAREERS NEWS A leading provider of finance solutions for students and their families Cognition Financial develops data-driven solutions for our partners and their customers. An engine for our partners’ growth, we take a thoughtful, collaborative approach to product development and delivery. Cognition Financial has over 30 years of experience facilitating billions in private student loans. We have two active loan products on the market: Custom Choice Loan® and the Union Federal® Private Student Loan.* Over the years, we've helped more than 1 million families pay for their education. Choose How to Pay Flexible school loan repayment options that fit your needs in the market since 2010. Read more Customizable Loans Since 2013, students benefit from no fees and easy to compare options. Read more Win a Scholarship Tools and resources to make smart financial decisions paying for college. Read more © 2021 Cognition Financial Corporation | 200 Clarendon Street 3rd Floor, Boston, MA 02116 Legal notice | Privacy Policy | Cognition Financial Data Privacy | For CA Residents: Do Not Sell My Personal Information *The Union Federal® Private Student Loan and the Custom Choice Loan® are made by Citizens. Citizens is a brand name of Citizens Bank, N.A. (NMLS ID# 433960). Member FDIC. Cognition Financial Corporation is not an affiliate of Citizens. Custom Choice Loan® is a service mark used under license. Union Federal is a registered trademark of Cognition Financial Corporation. Union Federal Private Student Loans are not offered in connection with any lender other than Citizens or the federal government.