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Home Student Loans Private Student Loans Student Loans for Students Attending a Texas College or University
  • Contents
  • North Texas Higher Education Authority, Inc. (Higher Education Servicing Corp.)
  • Texas Higher Education Coordinating Board
  • South Texas Higher Education Authority, Inc.
  • Learn More About Student Loans

Student Loans for Students Attending a Texas College or University

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By Edvisors Network
Updated on July 31, 2023
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If you are a Texas resident or an out-of-state student attending a school in Texas, you’ve come to the right place for information about financing options. In addition to some programs you’ve probably already heard about and may qualify for – like federal student loans, grants, work study, and scholarships - you may also qualify for some unique, state-based programs as big and bright as the state of Texas itself. Of course, there are national lenders you can explore, as well. But let’s start with the companies who’ve made it their mission to help students in Texas.

North Texas Higher Education Authority, Inc. (Higher Education Servicing Corp.)

This agency partners with state-based lenders to provide affordable Texas student loans. The primary three in-school offerings are:

Texas Extra Credit Education Loan

  • Permanent residents of Texas attending an in-state or out-of-state school may qualify for fixed or variable rate loans
  • Student borrower must be enrolled at least half-time in a degree-granting program (as certified by the school) at an approved school o Zero fees
  • Borrow from $1,000 up to $65,000 annually

 

Aggieland Credit Union (branch of Greater Texas Federal Credit Union)

  • Loans can be made in the student’s name. Sponsor and Parent Loans are also available
  • Be at least 18 years of age
  • Be enrolled at least half-time or greater
  • Must be a member of Aggieland Credit Union or Greater Texas Federal Credit Union or complete the membership process.
  • Zero fees with both fixed and variable rates offered
  • Borrow from $1,000 up to $50,000 per year

Baptist Credit Union

  • Loans available to members of Baptist Credit Union. Sponsor and Parent loans are also an option
  • Zero fees
  • Borrow from $1,000 up to $25,000 per year or over your lifetime
  • Be at least 18 years of age
  • Attending or scheduled to attend a Participating School
  • Enrolled at least half-time or greater

Texas Higher Education Coordinating Board

Texas Higher Education Coordinating Board (THECB) offers the College Access Loan (CAL) to Texas students who are unable to meet a college’s annual cost of attendance.

College Access Loan

  • Loans available to Texas residents enrolled in a course of study leading to a certificate or associates/bachelors/post-bachelor’s degree.
  • Fixed interest rate of 5.35% for those who meet additional credit criteria, including minimum Experian™ VantageScore® of 650 (or higher) for credit approval.
  • Borrow between $100 and a college’s annual cost of attendance less other financial aid
  • Be enrolled at least half-time in
    • a course of study leading to an associate, bachelor's, graduate or higher degree, or
    • an approved alternative educator certification program;
  • Borrowers who start the CAL application process on or after April 25, 2017 are subject to this credit requirement and interest rate. Credit eligibility and interest rate changes are driven by the interest rate of the latest bond sale and the overall restrictions on bond funding for the CAL program.
  • Effective April 10, 2017, all borrowers will be required to create a new online account in order to apply for a loan or to view their online loan account information. Cosigners may now create their personal online loan account.

South Texas Higher Education Authority, Inc.

South Texas Higher Education Authority (STHEA) is not technically a lender. STHEA is a community partner and secondary market that provides scholarships, interest rate reductions and loan forgiveness programs to help borrowers realize significant savings. STHEA contracts with the Council for South Texas Economic Progress (COSTEP) for administering their program. COSTEP supports Texas students with financial literacy programs and a free credit health check.

You may hear about this agency through your college or university, and you can certainly tap into the non-lending services they offer.

As you can see, when it comes to student loans, Texas residents have a number of options. Ditto for students from out-of-state who need to rely on private student loans for their Texas education. Leveraging the benefits of an in-state program can be a smart choice. Just don’t forget that national lenders also offer robust choices. Shop around, do your homework, and choose the program that best suits your needs.

Learn More About Student Loans

Best Private Student Loans for December 2023

Private Student Loan Interest Rates

Undergraduate Student Loans

Private Parent Student Loans

Parent PLUS Loans

Student Loans Without a Cosigner

Income Share Agreements

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Edvisors provides expert advice on planning and paying for college. On Edvisors.com easily compare student loan lenders, learn how to apply for financial aid, and discover scholarships. Learn about federal and private student loans for students and parents, how and when to apply to college, and more!

Edvisors (“Edvisors Network, Inc.”) provides independent advertising-supported platforms for consumers to search compare and apply for private student loans. Loan offers from participating lenders that appear on our websites are not affiliated with any college and/or universities, and there are no colleges and/or universities which endorse Edvisors’ products or services. Lender search results do not constitute an official college preferred lender list. Edvisors receives compensation from lenders that appear on this site. This compensation may impact the placement of where lenders appear on this site, for example, the order in which the lenders appear when included in a list. Not all lenders participate in our sites and lenders that do participate may not offer loans to every school.

Edvisors is not a lender and makes no representations or warranties about your eligibility for a particular loan or financial aid. Lenders are solely responsible for any and all credit decisions, loan approval and rates, terms and other costs of the loan offered and may vary based upon the lender you select. Please check with your school or lender directly for information related to your personal eligibility.

Edvisors has endeavored to provide accurate information. However, the results provided by lenders are for illustrative purposes only and accuracy is not guaranteed, as such, Edvisors assumes no responsibility for errors or omission in the information provided.

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