What expenses student loans cover

Student Loan Eligibility

Pursue Your Desired Career Without Financial Stress

Am I eligible for a student loan?

Brazos Higher Education offers student loans with easy repayment terms to help Texas residents pay up to the full cost of attendance and the associated fees, including books, supplies, including a computer, and living expenses, without the financial burden.

We encourage you to familiarize yourself with the eligibility requirements prior to applying for Brazos Texas student loans. In addition to the requirements below, borrowers and cosigners must meet other credit criteria in order to qualify.

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What expenses student loans cover

Brazos Student Loan Rates4

Fixed Rates

Starting at

% APR

Including 0.25% Auto-Pay Discount3

Variable Rates

Starting at

% APR

Including 0.25% Auto-Pay Discount3

School Eligibility

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

  1. An accredited Title IV school eligible for federal financial aid and is located anywhere in the United States.
  2. A 4-year degree-granting school that is a state or private non-profit institution.
  3. A school that is not a for-profit 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 and be applying to finance a degree at an eligible school.
  3. Be a United States citizen or National, 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.
  4. Be a resident of the State of Texas. (Not a Texas resident?)
  5. Be at least 18 years old.
  6. Have a minimum annual income of $35,000, or apply with a qualified cosigner.
  7. Have a FICO score of at least 680, or apply with a qualified cosigner.
  8. 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, National, or 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 $35,000.
  5. Have a FICO score of at least 680.
  6. Have a strong credit history and meet other credit requirements.

Student Loan Limits

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

parent loans

Required Information for Borrowers and Cosigners

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

  • 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. 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).

Have Questions About the Brazos Texas Student Loans?

To guide your loan application process, we’ve answered some of the most common questions about Brazos Texas student loans, including student loan eligibility amount and student loan options.

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