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Student Loans

Your Education Goals are Closer than Ever with Texans 

Continuing your education is more important than ever, and so is making smart financial decisions when it comes to paying for that education. At Texans Credit Union, your educational aspirations are our priority. With our affordable Student Loan options for undergraduates, graduates, and parents, we have the tools and the grit to get you that degree. Check out our Student Loan options to see which ones are right for you.

Cover the Full Cost of Attendance

From tuition to housing and books, Texans Private Student Loan options are designed to help you cover the full cost of attendance when financial aid, scholarships, and grants don't cut it.

Built to Make College More Affordable

Texans Private Student loans offer competitive fixed or variable rates, flexible repayment options, and support every step of the way so you can focus on what matter most — your success.

Resources to Navigate College Together

Navigating college and loans can be tricky, but we're here to help. We offer resources and planning tips to help you feel confident and prepared throughout your college journey.

Texans Undergraduate & Graduate Student Loans

Continuing your education is more attainable with a Texans Student Loan. Developed specifically to help Texas residents cover the full cost of attendance and living expenses when scholarships, grants and federal aid just aren’t enough.

  • Competitive fixed & variable rate loans
  • No application or origination fees
  • Borrow as little as $3,000 and up to $150,000
  • Flexible repayment terms of 5, 10, or 15 years
  • Deferred, immediate, or interest-only payment options
  • Set up auto-payments and enjoy a 0.25% rate discount
  • Optional co-signer release after you make 36 consecutive on-time monthly payments

Texans Parent Loan

A parent’s job isn’t over after your child heads off to college. In many cases, parents choose to help their children by covering some or all of their children’s college expenses. Our Parent Loan is a smart, low-cost option designed to pay for the full cost of attendance and living expenses. 

  • Competitive fixed & variable rate loans
  • No application or origination fees
  • Borrow as little as $3,000 and up to $150,000
  • Flexible repayment terms of 5, 10, or 15 years
  • Immediate and interest-only payment options
  • Set up auto-payments and enjoy a 0.25% rate discount

Student Loan Refinance

Refinancing your private student loans may help simplify repayment, lower your interest rate, reduce your monthly payment, or help you pay off your loans faster.
With our Private Student Loan Refinance program, you can combine one or more eligible student loans into a single new loan with a repayment option that better fits your financial goals.

  • Competitive fixed & variable rate loans
  • No application or origination fees
  • Flexible repayment terms of 5, 10, or 15 years
  • Set up auto-payments and enjoy a 0.25% rate discount

Resources For Navigating College Together

While navigating college can be difficult, you’ll be well equipped for the journey with Texans by your side. We're here to help with planning tips and resources from our friends at Colleging. Start planning your journey with information on saving and paying for college, college life, and beyond.

Returning Borrowers

Welcome back! If you submitted an application before August 31, 2026, click the button to log in to your account.

  • Check your application status
  • Complete an existing application
  • Check messages and submit additional information

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Frequently Asked Questions

Federal student loans are available through the US Department of Education, feature fixed interest rates, and offer several repayment options. Private student loans are education loans offered by banks or other lenders, are credit-based and have fixed or variable interest rates.
We recommend you first obtain as much money as you can from scholarships and grants since you do not have to pay back these types of financial aid. Once you have maximized these options, you will know how much money you still need for school.
Certified private student loan requires the school to verify the amount you are borrowing and tells the lender when to distribute the funds. This helps ensure you borrow only what you needed.
While you may apply on your own, most undergraduate students will need to apply with a creditworthy cosigner to meet our eligibility requirements, which include but are not limited to an established and satisfactory credit history. Even if you meet our requirements, you may still want to consider applying with a cosigner who has a stronger credit history and income to help you qualify for a lower interest rate.

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