Student Loan Refinance

You've Got Goals.

Refinancing your student loans can help you achieve them.

Refinancing allows you to take out a new loan - at a lower interest rate - to combine and replace your existing student loans.

Competitive student loan refinance options for Texas residents. (Not a Texas resident?)

Variable rates starting at % APR and fixed rates starting at % APR (with a 0.25% Auto-Pay discount).1

You've Earned a Better Rate.

You've worked hard and have been responsible with your debt. Why are you still overpaying interest on your student loans?
Refinance your high-interest rate student loan debt today.

Save money

Refinancing your student loans to a lower interest rate can add up to significant savings over the life of your loan.

Zero Fees

No origination fees.
No prepayment penalties.

One simple loan

Consolidate multiple federal and private student loans into one easy-to-manage loan.21

Choose your term

Customize your loan to fit your financial goals.
5, 7, 10, 15 and 20-year repayment terms available.2

Apply online

Quick, online application.
Get pre-approved in minutes4.

Parents & Cosigners

Parents can refinance their Parent Plus loans, too. Adding a cosigner with strong credit can lower your interest rate.

Find My Rate

Interest Rates & Repayment Terms

More ways to save. Choose your type of rate (fixed or variable) and your loan repayment term to fit your personal financial goals.

Variable Rates

Competitive rates from % APR to % APR (including a 0.25% Auto-Pay Discount).1

5, 7, 10, 15 and 20-year repayment terms available.2

Lower starting rates than comparable fixed rate loans can result in lower interest costs.

Variable rates may increase or decrease after origination. Monthly payments may vary after origination.

Fixed Rates

Competitive rates from % APR to % APR (including a 0.25% Auto-Pay Discount).1

5, 7, 10, 15 and 20-year repayment terms available.2

Fixed rates stay the same for the life of the loan and do not vary as the market changes.

Fixed rate loans offer peace of mind and still offer significant savings over existing high interest rate loans.

Is refinancing my student loans right for me?

Refinancing your student loans can help you meet your financial goals. Refinancing can:

  • reduce the total interest cost over the life of the loan,
  • help you pay off your debt sooner,
  • reduce your monthly payments,
  • simplify multipe student loans into one easy-to-manage loan

To lean more, see our Student Loan Refinance Guide. To see if you're eligible, see our Eligibility Requirements.

Find My Rate Apply Now

Ready to Get Started?

It's Easy and Free!



Explore your loan options

Gather information about your existing loans, then use our loan calculator to estimate your savings and choose the term that fits your financial goals.


Check your eligibility

We offer refinance options for Texas residents who have graduated and are currently employed. Check our Eligibility Requirements and FAQs for additional details.


Gather your information and apply!

Get pre-approved in minutes!
Application is online and convenient. Gather the required information and apply online.4

Refer a friend. Earn $200.

Have a friend who needs a Brazos Refinance Loan or a Brazos Parent Loan?



Enter your email address and receive your unique referral link.


Share your unique link with friends.


Receive $200 each time someone successfully takes out a loan using your link.

Learn More

What People Say About Us

  • Better Rate

    "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

    "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

  • No Hassle

    "Super easy, no hassle, and the best rates I found by far. I'm very happy with my experience!"

    - Jennifer, Brazos Refinance Loan Borrower

  • Great Customer Service

    "Very easy, competitive rates, great customer service!"

    - Whitney, Brazos Refinance Loan Borrower

BRAZOS RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Brazos loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Program restrictions, other terms, and conditions apply. All loans are subject to individual approval and adherence to eligibility requirements and underwriting guidelines. Not all borrowers receive the lowest rate. If approved, your actual rate will be within the range of rates listed in this website and will depend on a variety of factors, including whether your loan has a fixed or variable interest rate, the term of the loan and your credit score. Rates and Terms are subject to change at any time without notice. Brazos loans are originated by Brazos Education Lending Corporation.

None of the information contained in this website constitutes a recommendation, solicitation or offer by Brazos or Brazos Higher Education to buy or sell any securities or other financial instruments or other assets or provide any investment advice or service.

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