Undergraduate Student Loans
Pay for College Tuition and Borrow Up to 100% of School Certified Educational Expenses
Gain the financial freedom to focus on your studies and achieve your career goals with Brazos’ affordable undergraduate student loans with flexible repayment options.
Brazos Higher Education offers Texas residents low fixed or variable rates and allows student loan payment deferment while in school. No need to begin repaying your undergrad loans until after you leave college!
Why a Brazos Undergraduate Loan Is Right for You
Save Money Over the Life of Your Loan
Up to 100% of
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.
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.
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.
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!
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.
Brazos Higher Education is a Texas non-profit organization dedicated to making higher education more attainable for Texas residents. Not a Texas resident? Contact us to learn how we can help you find other loan options based on your needs.
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. 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)
Displayed rates taken from competitor websites as of 01 March 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.
3 Ways to Repay Brazos Undergraduate Loans
Choose one of three ways to repay your loan for undergraduate students:
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.
Begin repayment of principal and interest immediately after your undergraduate loan is fully disbursed, even while you’re in school.
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.
What People Say
- Kenn, Brazos Parent Loan 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 Refinance Loan Borrower
"Great people and service. Always there to help or answer my questions."
- Brad, Brazos Parent Loan 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 Refinance Loan 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 Refinance Loan Borrower
"Great experience. Super easy. Zero fees and decreases the overall amount I will owe on my student loans. So happy!"
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.