Affordable student loan options
for Texas residents.

Transparent pricing. Great low rates. Zero fees.

Brazos Refinance Loans

For Texans with existing student loans looking to refinance and save money.
Rates starting at % APR (with Auto-Pay Discount).1
Learn more


Brazos Parent Loans

An affordable way for Texas parents, family members or friends to help pay for a student's education.
Rates starting at % APR (with Auto-Pay Discount).1
Learn more


More Ways to Save

Competitive student loan interest rates are just a part of the way Brazos Student Loans provide significant savings.

Zero fees

No origination fees.
No prepayment penalties.

Choose your term

Customize your loan to fit your financial goals. With multiple terms to choose from, we've got you covered.

Approval in minutes

Save time with our quick, online application.
Get pre-approved in minutes4.

Transparent Pricing. Unlike most other lenders, see our rates before you apply.

Brazos Refinance Loan Rates Brazos Parent Loan Rates

Refer a friend. Earn $200.

Have a friend who needs a Brazos Refinance Loan or a Brazos Parent Loan?



Enter your email address and receive your unique referral link.


Share your unique link with friends.


Receive $200 each time someone successfully takes out a loan using your link.

Learn More

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

What People Say About Us


Easy to Apply

“I was surprised to find the Federal Parent PLUS Loan charges an origination fee of 4.2% with interest rates in the 7.6% range. Brazos offers lower rates and zero fees. They made it easy to apply and work through the process.

- Brad, Brazos Parent Loan Borrower

Better Rate

Our family has worked hard to build good credit. The team at Brazos made sure we were able to make that effort really pay off. We received a better rate on our two student’s education costs than we could find anywhere. Our advisor was always available and went the extra mile to make a complicated process work for us. Thank you... We will see you again next year!

- Kenn, Brazos Parent Loan Borrower

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.