Doctoral Program Loans

If your credit history does not meet our minimum credit criteria, you can still qualify by applying with a qualified cosigner. Additionally, even if you meet the minimum requirements, applying with a cosigner who has a stronger credit history may reduce the interest rate on your student loan PhD rate even further, thereby saving you more money over the lifespan of the loan.

Brazos PhD Loans cover school-certified educational expenses, including:

• Tuition and fees
• Living expenses, including room and board
• Textbooks, supplies and equipment
• Transportation
• A computer
• Other costs necessary to complete your degree

Texas student loans may be requested up to the cost of attendance, less other financial aid, as certified by the school.

Texas Residents- The minimum student loan eligibility amount is $1,000.

Non-Texas Residents Attending a Texas School- The minimum student loan eligibility amount is $2,001.

We encourage all students to exhaust all forms of federal student aid, grants and scholarships before taking out a private student loan like the Brazos Student Loan.

To be eligible for a Brazos Student Loan, you must:

• Be a United States citizen or National, permanent resident, or, if applying with an Eligible Cosigner, a non-citizen with a work or student visa or a DACA Recipient.
• Be at least 18 years old.
• Texas Resident
  • Be applying to finance an undergraduate or graduate degree and be enrolled at least half-time in a degree-granting program at one of over 2,000 schools nationwide.
• Non-Texas Resident
  • Be applying to finance an undergraduate or graduate degree and be enrolled at least half-time in a degree-granting program at an eligible college in Texas.
• Apply for an amount that is certified by the school the student is attending (see the "Certifying the Cost of Attendance" section of the FAQs)
• Have a minimum annual income of $35,000, or apply with a qualified cosigner.
• Have a FICO score of at least 680, or apply with a qualified cosigner.
• Have a strong credit history and meet other credit requirements, or apply with a cosigner who meets these requirements.
• Not a Texas Resident & Not attending a Texas school? We Can Still Help!

Yes. If you have chosen the Deferred Repayment option at the time you applied, your Interim Period includes a six-month period after you have graduated or ceased to be enrolled half time during which time payments are not due. In addition, for both the Deferred Repayment option and the Immediate Repayment option, if you have qualified for an In-School Deferment, you may also request a six-month Post-Deferment Grace Period immediately following the In-school Deferment.