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Loans are a common form of financial aid and are available through federal, state and private programs.

Student and Parent Loans

Federal and state loans are available to students and their parents. Alternative (private) loans are available to transient/non-degree seeking students.

Federal aid

Federal Direct Loans

These are low-interest student loans available through the U.S. Department of Education (DOE). There are two types – subsidized or unsubsidized. Subsidized loans are awarded based on need as determined by your FAFSA. Unsubsidized loans are not awarded based on need. Your first step toward borrowing through this program is to complete the FAFSA.

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Federal aid

Federal Parent PLUS Loans

These are low-interest loans that parents can get through the DOE to pay for their student’s college education.

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State aid

College Access Loan (CAL) Program

College Access Loans are offered through the Texas Higher Education Coordinating Board (THECB). They are designed to help students, who are Texas residents, whose families are having trouble meeting the Expected Family Contribution toward educational costs as determined by the FAFSA.

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Alternative Student Loans

If you still need additional funds, then an alternative (private) student loan from a bank, credit union or other commercial lender may be an option. Loan terms, fees, interest rates and repayment schedules vary from lender to lender. We recommend that you exhaust all other financial aid options before choosing to apply for an alternative student loan.

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