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*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.