Brazos Student Loan Refinance
Lower Your Interest Rates and Pay Off Debt Sooner
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.
Why a Brazos Student Loan Refinance Is Right for You
Lower Your Rate and Combine Your Student Loans into One Payment
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.
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
Refinance your student loans into one easy-to-manage loan with a single monthly payment that fits your budget.
Pay off Your
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.
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.
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.
Comparing Refinance Rates Can Save Significant Money!
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. 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)
Displayed rates taken from competitor websites as of 01 November 2023. The range of rates shown may have changed. Please visit each competitor's website for the most current rates. 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.
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. Learn more about student loan consolidation vs. refinancing.
What People Say
- Kenn, Brazos 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!"
- Mitchell, Brazos Borrower
"Great people and service. Always there to help or answer my questions."
- Brad, Brazos Borrower
“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."
- Alison, Brazos Borrower
"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."
- Kelley, Brazos Borrower
"Great experience. Super easy. Zero fees and decreases the overall amount I will owe on my student loans. So happy!"
Frequently Asked Questions
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