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Student Loan 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.


School Eligibility


A borrower must be enrolled at least half-time in:

  1. one of over 2,000 accredited Title IV schools eligible for financial aid,
  2. a 4-year degree granting school that is a state or private nonprofit institution, and
  3. a school that is not a for-profit proprietary school.

Borrower Eligibility


Eligible borrowers must:


  1. be enrolled at least half time at an eligible school for the academic year or period as certified by the school for which a loan is obtained,
  2. be enrolled in a degree granting program; if you have not yet matriculated in a program, you must be working towards a degree, and
  3. maintain satisfactory academic progress, demonstrated by school certification or verification of continued enrollment.
  4. be applying to finance a degree and attending an eligible school,
  5. be a United States citizen or National, 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, or a DACA recipient
  6. be a resident of the State of Texas, (Not a Texas resident?)
  7. be at least 18 years old,
  8. have a minimum annual income of $60,000, or apply with a qualified cosigner,
  9. have a FICO score of at least 720, or apply with a qualified cosigner (Don't know your credit score?), and
  10. have a strong credit history and meet other credit requirements, or apply with a cosigner who meets these 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 (Don't know your credit score?), and
  6. have a strong credit history and meet other credit requirements.

Loan Limits


The minimum loan amount is $1,000. Loans may be requested up to the cost of attendance, less other financial aid, as certified by the school.


Required Information for Borrowers and Cosigners


Information you (and your eligible cosigner, if applicable) will need to apply:


  • Proof of Texas residency (a state ID or Driver’s License),
  • Your social security number,
  • The name of the school at which you are enrolled,
  • The Cost of Attendance as well as the amount of other financial aid you have been awarded (this can be obtained from your financial aid award letter or your school's financial aid office),
  • Your permanent address,
  • Proof of income, or if applying with an eligible cosigner, proof of the cosigner income (depending upon your income types, this may be your two most recent pay stubs, 1099 Forms, or your most recent tax return), and
  • One reference who is not the cosigner on the loan



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Not a Texas Resident?


We can still help.