Medical School 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 rate even further, thereby saving you more money over the lifespan of the loan.

Brazos Medical School 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 U.S. Citizen or National or a non-citizen with government-issued, non-expired documentation of permanent resident status. 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! With the Brazos Medical School Loan, you can defer payments in 12-month increments as long as you're enrolled in a medical residency or internship program.