Not a Texas Resident?
We can still help!

Coming Spring 2021 !

Undergraduate Student Loans

Competitive rates.  Zero fees.  Apply online.

We're excited to announce the launch of the new Brazos Undergraduate Loan for the 2021 school year!

Sign up below to receive emails containing information on this upcoming product, including when the application is available, as well as general student loan information, and information on other Brazos products or services that we believe you will find informative and helpful.

Not a Texas resident? We can still help!

Brazos Undergraduate Loan Features

Competitive student loan interest rates are just a part of the way Brazos Student Loans provide significant savings.


Cover your undergraduate costs

Relax, when other financial aid sources fall short, you can borrow up to the school-certified cost of attendance, less other financial aid, to cover tuition books and other school-certified expenses.


Zero fees

No origination fees. No prepayment penalties. Ever.


Flexible repayment options

Choose the Deferred Repayment Option, and make no payments while in school, or choose the Immediate Repayment Options and begin making payments immediately for an even lower interest rate.


Soft credit check

Applying to see what rates and terms are available to you will not affect your credit score.1


Choose your term

Customize your loan to fit your financial goals. With multiple terms to choose from, we've got you covered.


Approval in minutes

Save time with our quick, online application. Get pre-approved in minutes.2

Frequently Asked Questions

Brazos Student Loans cover qualified educational expenses including:

  • Tuition and fees
  • Room and board
  • Text books, supplies and equipment
  • Transportation,
  • Other costs necessary to complete your degree

You may borrow up to the cost of attendance, less other financial aid received, as certified by the school you are attending. The minimum loan amount is $1,000.

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

  • Be a U.S. Citizen or National, or a non-citizen with government issued, non-expired documentation of permanent resident status, 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 be at least the age 18 years old, (Not a Texas resident?)
  • Be applying to finance an undergraduate and be enrolled at least half-time in a degree granting program at one of over 2,000 schools nation-wide,
  • Apply for an amount that is certified by the school your student is attending (see the "Certifying the Cost of Attendance" section of the FAQs),
  • Have a verified income and a strong credit history or apply with a cosigner with verified income and a strong credit history, and
  • Demonstrate the ability to support the repayment of the new loan or have an eligible cosigner apply with you

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.

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

Refer a friend. Earn $200.

Have a friend who needs a Brazos 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


1. Rates and terms provided as a result of a soft credit check do not mean you have been approved for the Brazos Student Loan but will give you an indicator of if, and on what terms, you may qualify. In order to qualify and be approved for the loan, you must apply, have a hard credit pull performed, and provide all necessary documents and information. A hard credit inquiry may impact your credit score.

2. Credit Review and Approval. If you choose to apply for a Brazos Student Loan, Brazos Parent Loan, or Brazos Refinance Loan and continue your application past the pre-credit eligibility stage, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for Brazos to be able to issue you a Brazos loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. The initial credit review is based on review of all the information you and your cosigner (if applicable) provide during the application process and the information obtained from your credit report(s). If you pass the initial credit review, you will need to provide acceptable documentation such as your income verification before the final loan approval.