Brazos Student Loan Refinance

Name: The Brazos Higher Education Service Corporation, Inc
Address: 5609 Crosslake Parkway, Waco, TX, 76712, US
Telephone: 1-800-453-0841
Price range: $$

Save Thousands by Lowering Your Interest Rate & Pay Off Debt Sooner ¹⁶

You’ve worked hard and have been responsible with your debt. Why are you still overpaying interest on your student loans? Refinance federal student loans and private loans from other lenders today with the Brazos student loan refinance program.

Brazos Higher Education allows you to take out a new Texas refinance loan at a lower interest rate to combine and replace your existing student loans for easier repayment. When you refinance your student loans with Brazos, you can save on your monthly payments over time.

Choose an ideal payment plan for your refinanced student loan that fits your financial goals.

Not a Texas Resident? We Can Still Help!

Brazos Student Loan Refinance Rates⁶

Fixed Rates

Starting at

% APR

Including 0.25% Auto-Pay Discount³

CALCULATOR

Variable Rates

Starting at

% APR

Including 0.25% Auto-Pay Discount³

CALCULATOR

Why a Brazos Student Loan Refinance Is Right for You

Lower Your Rate and Combine Your Student Loans into One Payment

Lower Your
Rate

Rates are rising, so now might be the perfect time to lock in a low interest rate on your student loans. Save money by refinancing your loan before interest rates go up.

Zero Fees

Brazos offers transparent pricing for refinance – meaning we don’t charge application fees, origination fees or prepayment penalties ever. Calculate total interest using our student loan refinance calculator.

Combine into One
Simple Loan

Refinance your student loans into one easy-to-manage loan with a single monthly payment that fits your budget.

Pay off Your
Loan Faster

Have extra cash to put toward your monthly payments? Shorten your loan term and pay off your loan faster. Or prepay all or a portion of your loan without penalty. Brazos offers multiple repayment terms so you can set the term that best fits your monthly budget. Check out our calculator to see your options.

Apply Online
in Minutes ⁸

You can apply to refinance your student loans at any time. Simply submit your application online. Apply on your own even if your underlying loans have a cosigner. Have limited credit? You can add a cosigner to your application in minutes.

Texans Serving
Texans

As a nonprofit, our mission is to help Texas students and families find an affordable way to pay for college. Not a Texas resident? We can help you determine the best refinance loan solutions for your budget.

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

At Brazos Higher Education, we strive to provide transparent pricing and repayment terms for all Texas student loans. Use our student loan refinance calculator to estimate and compare your total interest and monthly payments.

CALCULATE THE COST OF MY LOAN

Compare Brazos Refinance rates

Comparing Student Loan Refinance Rates Can Save You Thousands! ¹⁶

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 Refinance rates to rates offered by other lenders. Ranges cover multiple available options and include available discounts.

Refinance Loan Fixed Interest Rates (APRs)

⁶

10%

12%

14%

All displayed rates include a .25% Auto-Pay discount for auto-debit payments. Displayed rates taken from competitor websites as of 01 November 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.

BRAZOS REFINANCE GUIDE

What People Say
About Us

"Brazos was very timely with their responses and did a good job. It was my first time taking a student loan, the rate was lower than others and the process of accepting and submitting my loan and documents was easy."

- Ryan, Brazos Student Loan Borrower

"The customer service rep took her time to ensure she answered all my questions. She explained the loan options in detail and with examples and ensured I understood her."

- Crystal, Brazos Student Loan Borrower

"Brazos was able to get me all my loans to attend grad school and was very easy to work with! Communication was always great and they were always willing to answer any questions and help out when needed."

- Kayla, Brazos Student Loan Borrower

"Very easy process. Hassle free."

- Bryan, Brazos Student Loan Borrower

"Straight forward & easy application. Approved quickly putting us at ease."

- Justin, Brazos Student Loan Borrower

"Everything was smooth. I really liked how easy it was for me to communicate with someone on the phone and how thorough they were when explaining matters. I appreciate Brazos."

- Kadesha, Brazos Student 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!"

- Kenn, Brazos Borrower

Frequently Asked Questions

What is refinancing?

Refinancing means that you obtain a new loan from Brazos. Brazos will then pay off the principal and accrued interest on your current student loans.Because you can select from multiple options to configure your new loan, you can customize the new loan to help you meet your financial goals and fit your budget. Refinancing with a lower interest rate can help you achieve your financial goals by:

Reducing the total interest you will pay
Lowering your monthly payment
Allowing you to pay off debt sooner
Combining multiple loans into one monthly payment

Am I eligible for a Brazos Refinance Loan?

To be eligible for a Brazos Refinance Loan, you must:

Be a United States citizen or National, permanent resident, or, if applying with an Eligible Cosigner, a non-citizen with a work or student visa or a DACA Recipient.
Be a Texas resident and at least 18 years old. (Not a Texas resident?)
Have a verified income and a strong credit history or apply with a qualified cosigner who meets the requirements.

Please review our Eligibility Criteria for further details.

How long does it take to refinance my loan?

Do you offer graduated or income-sensitive repayment options?

No. Repayment begins 30-60 days after your loan is disbursed. Federal Direct Loans have a variety of repayment options, like graduated and income driven repayment and various forgiveness programs that you will lose if you refinance a Federal Direct Loan into a private student loan. Make sure you understand what you may be giving up before you apply. You can learn more about repayment options on Direct Loans by visiting www.studentaid.gov/.

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

Brazos Student Loan Refinance