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 % and fixed rates starting at % (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.
Ever.

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 % to % (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 % to % (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!

1. 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.

2. 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.

3. Gather your information and apply!


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

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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