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!
Why a Brazos Parent Loan Is Right for You
Ensure Your Child Graduates With As Little Debt As Possible
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.
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.
Not Just for
Brazos Parent Loan sare available to parents, grandparents and other credit-worthy family members and friends of the benefiting student.
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.
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.
Brazos parent loans help Texas parents make smart financial decisions for their family. Not a Texas resident? We can still help you look for parent college loans for your specific situation.
*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. 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)
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 private student loan. Repayment plans, deferment and forbearance options and other loan details may be more important in your situation. Think carefully about your financial situation and understand all the details about the loans you’re comparing when deciding which private student loan is right for you.
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
- 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
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.