Graduate Student Loans
Continue Your Education Without the Financial Stress
Planning to invest in your future with a graduate degree?
Brazos Higher Education is here to help Texas residents fund their postgrad degree with a low-interest graduate school loan that puts them on the right path for their future.
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.
Brazos Texas Student Loans
Minimize Your Debt While Earning an Advanced Degree
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.
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.
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.
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.
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.
Keep your loan payments manageable with a Brazos’ low-interest veterinary loan. You even have the option to postpone payment while you study!
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
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.
Lower your cost and pay off your loans faster under transparent graduate loan terms with no application, origination fees, or prepayment penalties.
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.
in Minutes 8
Complete your graduate school loan application online. It only takes a few minutes. Start the process today!
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.
Brazos Higher Education is your partner in pursuing your graduate degree. We help you determine the best grad loan option for your circumstance. Not a Texas resident? Contact us to learn how we can help you find other loan options based on your needs.
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 loans. Compare Brazos graduate student loans to rates offered by other lenders. Ranges cover multiple available repayment options and include available discounts.
Student Loan Graduate Fixed Interest Rates (APRs)
Displayed rates taken from competitor websites as of 01 March 2023. The range of rates shown may have changed. Please visit each competitor's website for the most current rates. 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 graduate 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:
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.
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.
Begin repayment of principal and interest immediately after your graduate loan is fully disbursed, even while you’re in school.
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.
What People Say
- Kenn, Brazos Parent Loan Borrower
"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!"
- Mitchell, Brazos Refinance Loan Borrower
"Great people and service. Always there to help or answer my questions."
- Brad, Brazos Parent Loan Borrower
“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."
- Alison, Brazos Refinance Loan Borrower
"Easy access to communicate with representatives. Prompt responses from all communication as well. Customer service is excellent and feels like a small town local bank. I’ve never felt like just another number."
- Kelley, Brazos Refinance Loan Borrower
"Great experience. Super easy. Zero fees and decreases the overall amount I will owe on my student loans. So happy!"
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.