Brazos Refinance Loan Eligibility


Brazos strives to provide transparent pricing and eligibility. We encourage you to familiarize yourself with the eligibility requirements prior to applying. In addition to the requirements below, borrowers and cosigners must meet other credit criteria in order to qualify.


Borrower Eligibility

Eligible borrowers must:

  1. have graduated and received at least an undergraduate bachelors from one of over 2,000 eligible schools,
  2. be the borrower of the loans to be refinanced,
  3. be a United States citizen or National or a non-citizen with government issued, non-expired documentation of permanent resident status, or, if applying with an Eligible Cosigner, a non-citizen with a work or student visa,
  4. be a resident of the State of Texas, (Not a Texas resident?)
  5. be at least 18 years old,
  6. be applying to refinance at least one outstanding, fully disbursed education loan,
  7. be employed or self-employed at the time of application or have accepted a firm offer of employment with a start date within sixty (60) days,
  8. have a minimum annual income of $60,000, or $30,000 if applying with a qualified cosigner,
  9. have a FICO score of at least 720, or 690 if applying with a qualified cosigner, and
  10. have a strong credit history and meet other credit requirements.

Cosigner Eligibility

Eligible cosigners must:

  1. be a United States citizen or National or a non-citizen with government issued, non-expired documentation of permanent resident status residing in the United States,
  2. be a resident of the State of Texas, (Not a Texas resident?)
  3. be at least 18 years old,
  4. have a minimum annual income of $60,000,
  5. have a FICO score of at least 720,
  6. have a strong credit history and meet other credit requirements.

Loan Limits

The minimum loan amount is $10,000. The maximum loan amount is $150,000 for borrowers with a bachelors degree and $250,000 for a graduate, medical, law or other professional degrees.


Required Information

Information you will need to apply:

  • Proof of Texas residency (a state ID or Driver’s License)
  • Your social security number.
  • Your permanent address
  • Proof of income. Depending upon your income types, this may be your two most recent pay stubs, 1099 Forms, or your most recent tax return
  • Detailed information on the student loans you wish to refinance, which may be found on your most recent monthly statement from your loan servicer.

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.


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