graduate student loans

Graduate Student Loans

Continue Your Education Without the Financial Stress

Planning to invest in your future with a graduate degree?

Brazos Higher Education can help you obtain a postgrad degree with a low-interest graduate school loan that puts you on the right path for your future.

Brazos Higher Education offers Texas residents low-rate loans with flexible repayment options. Even if you live outside of Texas and plan to attend a Texas college, we have a loan that can save you money.

At Brazos, we know that choosing to go to graduate school is a big decision. Paying for it doesn’t have to be. We can help you create a plan that sets you up for success.

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

Brazos Graduate Student Loan Rates4

Fixed Rates

Starting at


Including 0.25% Auto-Pay Discount3

Variable Rates

Starting at


Including 0.25% Auto-Pay Discount3

Brazos Texas Student Loans

Minimize Your Debt While Earning an Advanced Degree

Graduate Loan

Thinking of grad school? Brazos has grad loan options with low rates, flexible terms and repayment options that put you in the driver’s seat. 

MBA Loan

Maximize your return on investment and pay for business school on your terms. With a Brazos MBA loan, you can choose the term and repayment option that works best for you.

Law Loan

At Brazos, we help you find the law school loan term and options that match your goals and budget. Apply online for the lowest possible law school rates and get approved in minutes.

Medical Loan

Cover up to 100% of your medical school’s cost of attendance and choose a repayment plan that fits your goals. Brazos offers no application or origination fees and has flexible repayment options to help you fill your funding gaps.

Dental Loan

Smile! Start dental school with confidence. Brazos Higher Education offers flexible repayment options, including multiple terms and the ability to defer payments during dental school.

Veterinary Loan

Keep your loan payments manageable with a Brazos’ low-interest veterinary loan. You even have the option to postpone payment while you study!

Doctoral Loan

Pursuing a PhD? Depending on your needs and preferences, we help cover up to 100% of your school-certified educational costs with three flexible repayment options.

Why a Brazos Graduate School Loan Is Right for You

Choose Terms Based on Your Financial Needs

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Up to 100% of School-Certified Expenses Covered

Get the money you need to pay for graduate school expenses, including tuition, fees, books and housing. We cover up to 100% of your school-certified cost of attendance, less any financial aid you receive.

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Zero Fees

Lower your cost and pay off your loans faster under transparent graduate loan terms with no application, origination fees, or prepayment penalties.

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Repayment on Your

Choose from multiple loan terms, depending on your budget and financial goals. You also have three repayment options to make graduate loan repayment stress-free.

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Apply Online
in Minutes 8

Complete your graduate school loan application online. It only takes a few minutes. Start the process today!

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Made Easy

Limited credit? Adding your parent, spouse, or guardian as a cosigner can help you qualify for a loan and even lower your interest rate. Add a cosigner to your online application in just a few clicks.

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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

Wondering how much it costs to borrow for specific professional degrees? With Brazos Higher Education, you get the lowest possible graduate student loan rates.

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 loan.7 Compare Brazos Student Loan rates to rates offered by other lenders. Ranges cover multiple available repayment options and include available discounts.

Student Loan Graduate Fixed Interest Rates (APRs) logo
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Earnest-Green logo
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All displayed rates include a .25% Auto-Pay discount for auto-debt payments. Displayed rates taken from competitor websites as of 01 June 2024. For Earnest, displayed rates are taken from ELM Select ( as of 01 June 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 Graduate Loan

Choose one of three ways to repay your graduate school 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 graduate loan is fully disbursed, even while you’re in school.


Already graduated?

Looking to manage repayment on your existing student loans that works for your budget? Now could be the perfect time to refinance your student loans.

Click HERE for more information.

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Frequently Asked Questions

If your credit history does not meet our minimum credit criteria, you may 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 even further, thereby saving you more money over the life of the loan.