Repaying your student loans shouldn't require a second degree.

We can help.

Competitive student loan refinance options for Texas residents. (Not a Texas resident?)

Zero fees. Variable rates starting at % and fixed rates starting at % (with Auto-Pay Discount).1

Looking for loans while you're in school?

You've Earned a Better Rate.

You've worked hard and have been responsible with your debt. Why are you still overpaying interest on your student loans?
Refinance your high-interest rate student loan debt today.

Save money

Refinancing your student loans to a lower interest rate can add up to significant savings over the life of your loan.

Zero Fees

No origination fees.
No prepayment penalties.

One simple loan

Consolidate multiple federal and private student loans into one easy-to-manage loan.21

Choose your term

Customize your loan to fit your financial goals.
5, 7, 10, 15 and 20-year repayment terms available.2

Apply online

Quick, online application.
Get pre-approved in minutes3.

Parents & Cosigners

Parents can refinance their Parent Plus loans, too. Adding a cosigner with strong credit can lower your interest rate.

Interest Rates & Terms

Customize your loan with 5, 7, 10, 15 and 20-year terms available. Choose the loan that fits your personal financial goals.2

Variable Rates

Rates start from % to % (including a 0.25% Auto-Pay Discount).1

Fixed Rates

Rates start from % to % (including a 0.25% Auto-Pay Discount).1

Am I Eligible?

You should consider refinancing with Brazos if you:

  • are a U.S. citizen or permanent resident, or if applying with a cosigner who is a U.S. citizen or permanent resident, a work or student visa holder
  • are a Texas resident (Not a Texas resident?)
  • graduated with a bachelors degree from one of over 2,000 eligible schools
  • are currently employed or have income that can support your loan amount
  • have excellent credit history
  • have one or more outstanding student loans
  • want to save money, reduce your monthly payments, or pay off your debt sooner

For more details, see our Eligibility Requirements.


Ready to Get Started?

1. Explore your loan options

Gather information about your existing loans, then use our loan calculator to estimate your savings and choose the term that fits your financial goals.

2. Check your eligibility

We offer refinance options for Texas residents who have graduated and are currently employed. Check our Eligibility Requirements and FAQs for additional details.

3. Gather your documents and apply!

Get pre-approved in minutes!
Application is online and convenient. Gather the required documentation and upload them online.

Find My Rate Apply Now

Why Brazos?

We're part of the nation's largest group of nonprofit student loan organizations. Our unique expertise and mission allow us to offer competitive student loan options to Texas residents.

0Years Financing Education 3
0Million Students Funded 3
$0Billion in Loans Funded 3

BRAZOS RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Brazos loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Program restrictions, other terms, and conditions apply. All loans are subject to individual approval and adherence to eligibility requirements and underwriting guidelines. Not all borrowers receive the lowest rate. If approved, your actual rate will be within the range of rates listed in this website and will depend on a variety of factors, including whether your loan has a fixed or variable interest rate, the term of the loan and your credit score. Rates and Terms are subject to change at any time without notice. Brazos loans are originated by Brazos Education Lending Corporation.

None of the information contained in this website constitutes a recommendation, solicitation or offer by Brazos or Brazos Higher Education to buy or sell any securities or other financial instruments or other assets or provide any investment advice or service.

How can we improve this site? Let us know.