Not a Texas Resident?
We can still help!
Coming Spring 2021!
Competitive rates. Zero fees. Apply online.
When scholarships, federal student loans, and other aid aren't enough to meet your financial need, a Brazos Student Loan lets you finance up to the Cost of Attendance (less other financial aid received).1
Sign up to receive emails containing news about the upcoming Brazos Student Loan, including when the application will be available, and other valuable information.2
Competitive student loan interest rates are just a part of the way Brazos Student Loans provide significant savings.
Brazos Student Loans were designed to help students cover up to the total cost of attendance for their field of study. If scholarships and other federal aid aren't enough, we've got you covered!
No origination fees. No prepayment penalties. Ever.
A soft credit check is available so you can see what rates and terms are available to you without affecting your credit score.3
Choose the Deferred Repayment Option, and make no payments while in school, or choose the Immediate Repayment Options and begin making payments immediately for an even lower interest rate.
Customize your loan to fit your financial goals. With multiple terms to choose from, we've got you covered.
Save time with our quick, online application. Get pre-approved in minutes.4
We're part of the nation's largest group of nonprofit student loan organizations. Our unique expertise and mission allow us to offer competitive student loan options to Texas residents.
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"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!"
- Kenn, Brazos Parent Loan Borrower
"Great people and service. Always there to help or answer my questions."
- Mitchell, Brazos Refinance Loan Borrower
Easy to Apply
“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."
- Brad, Brazos Parent Loan Borrower
Customer Service is Excellent
"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."
- Alison, Brazos Refinance Loan Borrower
Great Experience. Super Easy.
"Great experience. Super easy. Zero fees and decreases the overall amount I will owe on my student loans. So happy!"
- Kelley, Brazos Refinance Loan Borrower
1. It is recommended that you utilize scholarships, grants and other federal student loans, such as the Federal Direct Student Loans, available to you before you use a Brazos Student Loan.
2. By providing your email, you are consenting to receive periodic emails from Brazos regarding the Brazos Student Loan, as well as general student loan information, information on other Brazos loan products or services, and other information we believe you will find informative and helpful.
3. Rates and terms provided as a result of a soft credit check do not mean you have been approved for the Brazos Student Loan but will give you an indicator of if, and on what terms, you may qualify. In order to qualify and be approved for the loan, you must apply, have a hard credit pull performed, and provide all necessary documents and information. A hard credit inquiry may impact your credit score.
4. Credit Review and Approval. If you choose to apply for a Brazos Student Loan, Brazos Parent Loan, or Brazos Refinance Loan and continue your application past the pre-credit eligibility stage, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for Brazos to be able to issue you a Brazos loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. The initial credit review is based on review of all the information you and your cosigner (if applicable) provide during the application process and the information obtained from your credit report(s). If you pass the initial credit review, you will need to provide acceptable documentation such as your income verification before the final loan approval.
5. Brazos Education Lending Corporation (Brazos) is a part of a group of several non-affiliated nonprofit companies that are all managed by The Brazos Higher Education Service Corporation, Inc. and are commonly referred to as the Brazos Managed Companies. The first of the Brazos Managed Companies was organized in 1975 in Waco, Texas, as a secondary market for student loans. Since that time, the Brazos Managed Companies have, on a combined basis, served an estimated 2 million student borrowers and have helped fund an estimated $30 billion in student loans.