Earn a $600 cash bonus and the Fire Your Financial Advisor Course ($799 Value) exclusively for being referred by White Coat Investor when you refinance your student loans with Brazos!


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Why Choose Brazos Higher Education to Refinance Your Student Loans?

Brazos is a nonprofit with over 35 years of experience with student loans. As a nonprofit, Brazos’ rates can be better than the national lenders. You can refinance up to $150,000 with a bachelor’s degree and up to $400,000 with a graduate, law, medical or other professional degree. The minimum amount to refinance is $10,000. (Available to Texas Residents Only)

Zero Fees
No origination fees. No prepayment penalties. Ever.

Choose your term
Customize your loan to fit your financial goals. With multiple terms to choose from, Brazos has you covered.

Approval in minutes
Save time with their quick, online application. Get pre-approved in minutes.

Transparent Pricing
Unlike most other lenders, Brazos allows you to see their rates before you apply.


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What Brazos Higher Education Customers Say about Refinancing their Student Loans

“Great experience. Super Easy. Zero fees and decreases the overall amount I will owe on my student loans. So happy!.”

“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.”

“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.”


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Brazos Higher Education Student Loan Refinancing Terms and Conditions

1. Brazos Refinance Loan fixed rates from 2.15% APR to 3.75% APR (with Auto-Pay Discount). Variable rates from 1.83% APR to 4.75% APR (with Auto-Pay Discount). Interest rates on Brazos loans are capped at 9.90%. Lowest variable rate of 1.83% APR assumes a current Thirty-day Average Secured Overnight Financing Rate (SOFR) of 0.05% plus a 2.03% margin minus the 0.25% Auto-Pay Discount. Not all borrowers receive the lowest rate. If approved for a Brazos loan, the fixed or variable interest rate offered will depend on your creditworthiness, the term of the loan and other factors, and will be within the ranges of rates listed above. For the Brazos variable rate loan, the Thirty-day Average SOFR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the SOFR index increases.

Auto-Pay Discount. The interest rate in effect will be reduced by 0.25% if either the borrower or the cosigner authorizes automated (ACH) payments from any bank account. This ACH interest rate reduction, referred to as the Auto-Pay Discount, applies only when full principal and interest payments are automatically drafted from a bank account. This interest rate reduction will not continue to apply during periods of approved forbearance or deferment. The Auto-Pay Discount will terminate if the automatic bank account payments discontinue or there are any three instances of insufficient funds at any time during the term of the loan. A borrower may requalify upon reauthorization of automatic payments from a valid bank account.