parent loans

Parent Loans

Help Finance Your Child’s College Education

Sending your child off to college? Your kids have big dreams, and Brazos Parent Loans can help you make them a reality.

Brazos Higher Education provides responsible Texas parents or guardians an alternative to Direct Parent Plus Loans. With Brazos Parent Loans for college, you can borrow up to the full cost of attendance, minus other financial aid the student received, with no fees and a low interest rate.

Parents, grandparents, family or friends are eligible to apply. Take maximum advantage of a Brazos’ parent loan and pay for your child’s education without financial stress!

Not a Texas Resident? We Can Still Help!
parent loans

Brazos Parent Loan Rates 5

Fixed Rates

Starting at


Including 0.25% Auto-Pay Discount 3

Variable Rates

Starting at


Including 0.25% Auto-Pay Discount 3

Why a Brazos Parent Loan Is Right for You

Ensure Your Child Graduates With As Little Debt As Possible

Group 519

Up to 100% of School-Certified Expenses Covered

Brazos Parent Loans for college can cover up to 100% of your child’s school-certified cost of attendance. Expenses include tuition, living expenses, such as room and board, a computer, books and miscellaneous fees.

Group 520

Zero Fees

With Brazos’ college loans for parents, there are never any application fees or prepayment penalties. And, unlike Direct Parent PLUS loans, there are no origination fees. Save even more money over the life of your parent student loans with our low fixed and variable rates.

Group 521

Not Just for

Brazos Parent Loan sare available to parents, grandparents and other credit-worthy family members and friends of the benefiting student.

Group 524

For Graduate
Students, Too!

Unlike the Direct Parent Plus Loans program, parents may use Brazos parent student loans to finance the cost of a graduate degree, including medical, law, MBA and other professional degrees.

Group 523

Apply Online
in Minutes 8

Secure, fast and easy – apply for Brazos parent student loans without worries! You can complete our easy online application in minutes. Have limited credit history? Consider adding a cosigner to potentially improve your chances of qualifying and even lower your rate.

Group 522

Texans Serving

Brazos parent loans help Texas parents make smart financial decisions for their family. Not a Texas resident? We can help you look for parent college loans for your specific situation.

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

*Considering a Parent PLUS loan? With no origination fees, lower rates and more flexible terms, a Brazos Parent loan may be a better choice for you .

Comparing Parent 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 Parent Loan rates to rates offered by other lenders. Ranges cover multiple available repayment options and include available discounts.

Parent Loan Fixed Interest Rates (APRs) logo
Citizens logo
College AVE logo
Earnest-Green logo
SoFi logo

All displayed rates include a .25% Auto-Pay discount for auto-debit payments. Displayed rates taken from competitor websites as of 01 July 2024. For Earnest, displayed rates are taken from ELM Select ( as of 01 July 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.


Already graduated?

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

Click HERE for more information.

What People Say
About Us

Frequently Asked Questions

We offer variable and fixed rate loans with multiple terms

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