Why a Brazos Undergraduate Loan Is Right for You
Save Money Over the Life of Your Loan
Up to 100% of
Expenses Covered
We help you afford higher education and create the future you want with a low-interest loan for undergraduate students that covers 100% of school-certified expenses, including tuition, books, a computer and housing.
Zero Fees
Our undergraduate student loans are designed to help you complete your college degree without financial stress. There are never any application, origination fees or prepayment penalties.
Repayment on
Your Terms
Brazos offers more repayment terms than most other undergraduate student loan providers. You can choose from multiple terms that help you make the decision that best suits your budget.
Apply Online
in Minutes 8
Save time with our fast and easy undergraduate student loan application. It only takes a few minutes. Limited credit history? Add a cosigner in just a few clicks!
Cosigning
Made Easy
Applying for undergraduate loans with a creditworthy cosigner, such as your parent or a close family member, increases your likelihood of loan approval. Cosigners must have satisfactory credit and a minimum verifiable gross income.
Texans Serving
Texans
Brazos Higher Education is a Texas non-profit dedicated to making higher education more attainable for Texas residents. Even if you live outside Texas, if you plan to attend a Texas college, our loan can save you money.
Plus, GET $200 when you Refer-A-Friend.
At Brazos, we provide full transparency around rates and repayment options for undergraduate loans. This means you can compare rates before applying for an undergraduate loan and expect no hidden fees.
Comparing Student Loan 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.7 Compare Brazos Student Loan rates to rates offered by other lenders. Ranges cover multiple available repayment options and include available discounts.
Student Loan Undergraduate Fixed Interest Rates (APRs)
All displayed rates include a .25% Auto-Pay discount for auto-debit payments. Displayed rates taken from competitor websites as of 01 November 2024. For Earnest, displayed rates are taken from ELM Select (www.elmselect.com) 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.
3 Ways to Repay Brazos Undergraduate Loans
Choose one of three ways to repay your undergraduate student loan:
Deferred Repayment
Make no payments of principal or interest while in school (up to 54 months) and for six months after you graduate or cease to be enrolled at least half-time at an eligible school.
Interest Only Repayment
Pay only the interest while in school and during a six-month grace period after you graduate or withdraw enrollment at least half-time at an eligible school.
Immediate Repayment
Begin repayment of principal and interest immediately after your undergraduate loan is fully disbursed, even while you’re in school.
Already graduated?
Looking to manage repayment on your existing student loans that works for your budget? Now could be the perfect time to refinance your student loans.
Click HERE for more information.
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Frequently Asked Questions
If your credit history does not meet our minimum credit criteria, you may still qualify by applying with a qualified cosigner. Additionally, even if you meet the minimum requirements, applying with a cosigner who has a stronger credit history may reduce the interest rate on your student loan rate even further, thereby saving you more money over the life of the loan. The majority of undergraduate borrowers apply with a cosigner.
