doctoral program loans

Doctoral Program Loans

Save Thousands of Dollars in Total Interest Paid

Pursuing a doctorate degree? You’re already one step closer to your dream career. Don’t let concerns about paying for your PhD derail your ambitions.

Earn your doctorate degree and become debt-free within a target number of years with Brazos’ affordable PhD loans.

Brazos Higher Education offers Texans more repayment flexibility than most lenders, allowing you to focus on your studies and plan your career. No matter what PhD program you are pursuing, Brazos’ student loan for doctorate degree makes it easy to achieve your educational and career goals while fulfilling your monthly obligations.

Even if you live outside of Texas and plan to attend a Texas college, we have loans that can save you money.

Not a Texas Resident & Not attending a Texas school? CLICK HERE- We Can Still Help!
doctoral program loans

Brazos PhD Loan Rates4

Fixed Rates

Starting at


Including 0.25% Auto-Pay Discount3

Variable Rates

Starting at


Including 0.25% Auto-Pay Discount3

Why a Brazos PhD Loan Is Right for You

Competitive Rates With No Hidden Fees

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Up to 100% of School-Certified Expenses Covered

Brazos student loan for doctorate degree makes it easier for you to focus on your career goals. You can borrow up to the full cost of attendance, less other financial aid received. Qualified expenses include tuition and fees, books and supplies, a computer, living expenses and other school-certified incidentals.

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Zero Fees

As a non-profit organization, Brazos doesn’t charge application fees, origination fees, or prepayment penalties ever. Use our loan calculator to see what your student loan PhD costs would be with various loan rates and repayment terms.

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Repayment on
Your Terms

Paying for your PhD is made even more achievable with Brazos’ multiple loan terms and repayment options. Take time to compare rates and evaluate what's best for your educational and career goals before making a decision.

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Apply Online
in Minutes 8

Check your Brazos PhD student loan eligibility and apply for a doctoral loan fast through our online portal. Unlike other lenders, Brazos offers a quick and easy doctoral student loan application process for your convenience.

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Made Easy

If you’ve got a limited credit history and are unsure how to pay for a doctorate degree, Brazos can help you. Add your parent, spouse or relative as a cosigner and increase your likelihood of securing the lowest possible student loan rate.

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Texans Serving

Brazos Higher Education is a Texas non-profit dedicated to making higher education more attainable for Texas residents. Even if you live outside Texas, if you plan to attend a Texas college, our loan can save you money.

Plus, GET $200 when you Refer-A-Friend.

Not a Texas Resident & Not attending a Texas school? - CLICK HERE

Earning a degree and paying for your PhD shouldn't take a toll on your finances. Use our doctoral student loan calculator to estimate your interest cost and evaluate your payoff options.

Comparing Student Loan Rates Can Save Significant Money!

Brazos nonprofit status and mission allow us to offer competitive rates to Texas borrowers. Our rates are designed to save you money over the life of your loans. Compare Brazos doctoral loan rates to rates offered by other lenders. Ranges cover multiple available repayment options and include available discounts. 

Student Loan Doctoral Programs Fixed Interest Rates (APRs) logo
College AVE logo
Earnest-Green logo
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SoFi logo

All displayed rates include a .25% Auto-Pay discount for auto-debt payments. Displayed rates taken from competitor websites as of 01 May 2024. For Earnest, displayed rates are taken from ELM Select ( as of 01 May 2024. The range of rates shown may have changed. Please visit the applicable website for each lender's most current rates and for terms and conditions to qualify for the auto-pay discount. Like at Brazos, the specific rate you receive from other lenders is dependent on numerous factors, including your creditworthiness, the term and repayment option you select, available borrower benefits and the length of any deferment period(s) assumed in calculating the rates.

Rates are not the only factor to consider when shopping for a private student loan. As with any loan, think carefully about your financial situation and understand the details about the loans you’re comparing when deciding which private student loan is right for you.

3 Ways to Repay Brazos Doctoral Loans

Choose one of three ways to repay your doctoral student loan:

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(Highest Total Interest Cost)

Deferred Repayment

Make no payments of principal or interest while in school (up to 54 months) and for six months after you graduate or cease to be enrolled at least half-time at an eligible school.

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Interest Only Repayment

Pay only the interest while studying and during a six-month grace period after you graduate or withdraw enrollment at least half-time at an eligible school.

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(Lowest Total Interest Cost)

Immediate Repayment

Begin repayment of principal and interest immediately after your student loan for doctorate degree is fully disbursed, even while you’re in school.


What If I Need to Refinance?

Need help paying for your PhD? Consolidate your student loans into one monthly payment to save money and make budgeting easier.


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Frequently Asked Questions

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.

Still have questions about Brazos Student Loan for doctorate degree? We're here to help! See our full list of FAQs, send us an email or call us at 1-800-453-0841.