Brazos Student Loan

Brazos Loan

Brazos Higher Education is a trusted Texas non-profit organization dedicated to helping students finance their college education and save money once they graduate.

Fixed rates range from 2.71% to 7.38% APR (with Auto-Pay Discount)¹
Fixed or variable rate loans with terms of 5, 7, 10, 15 or 20 years
Zero origination fees; zero application fees
Flexible repayment options including Immediate, Interest-only and In-school deferred
Available for undergraduate, graduate, MBA, medical, law, and professional degrees
Available for Texas residents and students attending Texas accredited schools

Apply for a Brazos Student Loan

Fixed APR 2.71% - 7.38%¹

Variable APR 5.33% - 9.10%¹

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Featured Lender

Fixed rates range from 2.71% to 7.38% APR (with Auto-Pay Discount)¹
Fixed or variable rate loans with terms of 5, 7, 10, 15 or 20 years
Zero origination fees; zero application fees
Flexible repayment options including Immediate, Interest-only and In-school deferred
Available for undergraduate, graduate, MBA, medical, law, and professional degrees
Available for Texas residents and students attending Texas accredited schools

¹Rates as of 04/01/2024. Brazos Student Loan interest rate ranges are based upon the repayment term and options selected and the creditworthiness of the borrower or co-signer, and include the 0.25% Auto-Pay Discount. Not all borrowers receive the lowest rate. The lowest APR calculations assume the highest creditworthy borrower that selects the Immediate Repayment option and begins making payments after the loan is fully disbursed, with a 60 month repayment term. The highest APR calculation assumes the lowest creditworthy borrower that selects the Deferred Repayment option and makes no payment while in school for a period of 45 months (plus a 6 month grace period), with a 240 month repayment term.

Fixed Rates are set at the time the loan is made and will not change over the life of the loan. Variable Rates and corresponding APRs may increase over the life of the loan, but will never exceed 9.90%. The variable interest rate is based on an index of the 30-day Average SOFR plus a Margin. The lowest variable rate APR displayed is based on the current SOFR index of 5.34% plus a 0.25% margin, minus the Auto-Pay Discount. The Variable Rate will adjust monthly and the loan payment may increase or decrease monthly to provide for amortization over the selected term. The Variable Rate product is only available to Texas Residents.

AutoPay Discount. The interest rate in effect will be reduced by 0.25% if either the borrower or cosigner authorizes automated (ACH) payments from any bank account. The Auto-Pay Discount only applies when full principal and interest payments are automatically drafted from a bank account and does not apply during periods of approved forbearance or deferment. Certain other terms and conditions apply.

Brazos Student Loan Benefits

Cover up to 100% of School certiﬁed expenses
Apply online in minutes
0.25% interest rate reduction for automatic payment.¹
Co-signer release after twenty-four (24) on-time payments and the borrower meeting the credit requirements.
Applicants may apply as early as 210 days before the academic period start date.

Brazos Student Loan Eligibility

Applicants must:

Be a U.S. Citizen or National, permanent resident or DACA recipient; or if applying with an eligible cosigner, a non-citizen with a valid work or student visa;
Meet the credit eligibility criteria, including a no adverse history requirement; and
Student must be enrolled at least half-time at an accredited, Title IV eligible, Public or Private nonproﬁt, 4-year degree-granting institution

Minimum and Maximum Loan Amount for Brazos Student Loan

Minimum loan amount of $1,000. Maximum loan amount up to the school-certiﬁed cost of attendance. No aggregate borrowing limit.

Brazos Student Loan

Apply for a Brazos Student Loan

Brazos Student Loan Benefits

Brazos Student Loan Eligibility

Minimum and Maximum Loan Amount for Brazos Student Loan

Brazos Student Loan Disclaimers