In order to estimate the rates and loan options you qualify for, Citizens Bank, N.A. will perform a soft credit inquiry, as authorized by you. Soft credit inquiries do not affect your credit. If you qualify, the rates and loan options offered to you are estimates only. Once you submit your application, Citizens Bank, N.A. may perform a hard credit inquiry, as authorized by you. Loan approval, options, and final rate depend on the verification of information provided on your application, and information obtained from the credit inquiries of the student applicant and, if applicable, the cosigner.