{"id":10920,"date":"2018-11-09T15:11:33","date_gmt":"2018-11-09T23:11:33","guid":{"rendered":"https:\/\/www.credible.com\/lenders\/?p=10920"},"modified":"2023-10-11T14:04:17","modified_gmt":"2023-10-11T22:04:17","slug":"brazos","status":"publish","type":"post","link":"https:\/\/www.credible.com\/lenders\/brazos\/","title":{"rendered":"Brazos Student Loan Refinancing Review"},"content":{"rendered":"<p><b>Best for:<\/b><\/p>\n<ul>\n<li>Graduates with strong credit and income<\/li>\n<li>Refinancing without a cosigner<\/li>\n<li>Texas residents<\/li>\n<\/ul>\n<p>Brazos Higher Education is a nonprofit lender that offers student loan refinancing to Texas residents at competitive rates and with flexible terms. If you\u2019ve finished your degree and have an established income and credit history, you may be eligible to refinance your student loan debt with Brazos.<\/p>\n<p>Here\u2019s what you should know when considering refinancing your student loans with Brazos.<\/p>\n<p><strong>In this post:<\/strong><\/p>\n<ul>\n<li><a href=\"#details\">Brazos interest rates and loan details<\/a><\/li>\n<li><a href=\"#brazos-review\">Brazos student loan refinancing review<\/a><\/li>\n<li><a href=\"#compares\">How Brazos compares to other lenders<\/a><\/li>\n<li><a href=\"#brazos-student-loan-refinancing\">How to refinance student loans with Brazos<\/a><\/li>\n<\/ul>\n<p><a name=\"details\"><\/a><\/p>\n<h2>Brazos refinancing interest rates and loan details<\/h2>\n<p>Brazos requires a minimum credit score of 720 and income of at least $60,000, if you plan to apply without a cosigner. But well-qualified borrowers can get low rates and refinance up to $150,000 if they completed a bachelor\u2019s degree and $400,000 if they\u2019ve earned a graduate or professional degree.<\/p>\n\n<table id=\"tablepress-204\" class=\"tablepress tablepress-id-204 table table-border-top table-striped table-rounded table-no-img-margin tbody-has-connected-cells\">\n<tbody class=\"row-striping\">\n<tr class=\"row-1\">\n\t<td colspan=\"2\" class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img fetchpriority=\"high\" decoding=\"async\" width=\"400\" height=\"128\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/brazos-education-lending-logo-proper-size-1.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"brazos student loan refinance\" srcset=\"https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/brazos-education-lending-logo-proper-size-1.png 400w, https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/brazos-education-lending-logo-proper-size-1-300x96.png 300w, https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/brazos-education-lending-logo-proper-size-1-150x48.png 150w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>            <\/div>\n        <\/center><br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Credible rating<\/strong><\/td><td class=\"column-2\">        <div class=\"tablepress-rating-shortcode left\">\n                    <div class=\"star-rating__container\" style=\"display:flex;\">\n                <div role=\"img\" aria-label=\"4\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <\/div>\n                <div>\n                    <span class=\"number-rating\">4.4<\/span>\n                <\/div>\n            <\/div>\n        <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Rates from (APR)<\/strong><\/td><td class=\"column-2\"><strong>Fixed:<\/strong>   <span>\n    3.99%+<sup><\/sup>\n  <\/span>\n<br \/>\n<strong>Variable:<\/strong>   <span>\n    3.63%+<sup><\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Loan amounts<\/strong><\/td><td class=\"column-2\">$10,000 up to $400,000<br \/>\n<small>(depending on degree)<\/small><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Loan terms<\/strong><\/td><td class=\"column-2\">5, 7, 10, 15, 20 years<br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>Loan types<\/strong><\/td><td class=\"column-2\">Any private or federal student loan<br \/>\n<small>(including PLUS loans)<\/small><\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><strong>Min. credit score<\/strong><\/td><td class=\"column-2\">720<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><strong>Min. income<\/strong><\/td><td class=\"column-2\">$60,000<br \/>\n<small>($30,000 with cosigner)<\/small><\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\"><strong>Residency<\/strong><\/td><td class=\"column-2\"><ul><li>Must be a U.S. citizen or permanent resident<\/li><li>Must be a resident of Texas<\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><strong>Cosigner release<\/strong><\/td><td class=\"column-2\">Not offered<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td class=\"column-1\"><strong>Transfer parent loan to child?<\/strong><\/td><td class=\"column-2\">No<\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\"><strong>Fees<\/strong><\/td><td class=\"column-2\">No application, origination, or disbursement fees<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td class=\"column-1\"><strong>Prepayment penalty<\/strong><\/td><td class=\"column-2\">None<\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\"><strong>Key benefits<\/strong><\/td><td class=\"column-2\">0.25% autopay discount<\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td class=\"column-1\"><strong>Education<\/strong><\/td><td class=\"column-2\">Bachelor\u2019s degree required<\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td class=\"column-1\"><strong>Death discharge available<\/strong><\/td><td class=\"column-2\"><ul><li>If borrower of a cosigned loan dies, cosigner is responsible for repayment of the loan over the remainder of the repayment term<\/li><li>If cosigner dies, Brazos will not declare the loan in default or accelerate payment<\/li><li>Brazos will not pursue the estate of any deceased borrower or cosigner<\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td class=\"column-1\"><strong>Loan servicer<\/strong><\/td><td class=\"column-2\">Firstmark Services (Nelnet)<\/td>\n<\/tr>\n<tr class=\"row-18\">\n\t<td class=\"column-1\"><strong>Best if<\/strong><\/td><td class=\"column-2\"><ul><li>You don't need a cosigner<\/li><br \/>\n<li>You have strong credit and income<\/li><br \/>\n<li>You want a wide selection of repayment terms<\/li><\/ul>  <\/td>\n<\/tr>\n<tr class=\"row-19\">\n\t<td colspan=\"2\" class=\"column-1\"><p style=\"text-align: center;\"><small>All APRs reflect autopay and loyalty discounts where available<\/small><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<a name=\"brazos-review\"><\/a><\/p>\n<h2>Brazos student loan refinancing review<\/h2>\n<p>In addition to offering competitive rates, Brazos offers a good selection of repayment terms, ranging from 5 to 20 years. Choosing a shorter repayment term helps you qualify for a lower rate, minimizing your total interest charges. Stretching out repayment over a longer period of time can lower your monthly payment amount, but your total repayment costs may increase.<\/p>\n<p><span style=\"font-weight: 400;\">There are no origination or application fees, and interest rates could be lower than what you find with other private lenders. Borrowers also have the choice between <\/span>both <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/choosing-fixed-or-variable-rate-student-loan\/\">fixed- and variable-rate loans<\/a>.<\/p>\n<h3>How to qualify<\/h3>\n<p>While Brazos has somewhat strict credit and income requirements, it&#8217;s easier to qualify if you apply with a creditworthy cosigner. If you apply alone, you&#8217;ll need<span style=\"font-weight: 400;\">\u00a0a minimum income of $60,000 and a credit score of 720 or higher. <\/span>But if you <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/cosigner-explained\/\">add a cosigner<\/a> to your application, the minimum credit score is 690 and the minimum income is $30,000.<\/p>\n<p>Just keep in mind that if you do refinance with a cosigner, Brazos doesn\u2019t offer cosigner release. If you want to relieve your cosigner of their obligation when you\u2019re in a stronger financial position, you must refinance your loans again.<\/p>\n<p>When you apply, you&#8217;ll also need:<\/p>\n<ul>\n<li>Your Social Security number<\/li>\n<li>Proof of income<\/li>\n<li>A state ID or driver\u2019s license to prove you\u2019re a Texas resident<\/li>\n<\/ul>\n<h3>Repayment<\/h3>\n<p>Monthly payments on Brazos loans are collected by Firstmark Services, a division of Nelnet.<\/p>\n<p>You can earn a 0.25% interest rate reduction when you authorize automatic payments from your checking or savings account. Brazos also offers other benefits like these forbearance options:<\/p>\n<ul>\n<li><b>Economic hardship: <\/b>If you run into unexpected financial problems, Brazos offers economic hardship forbearance that allows you to defer payments on your loan for 3 months at a time, with a total limit of 12 months.<\/li>\n<li><b>Active duty military: <\/b>Forbearance is available if you\u2019re called up for active duty military service.<\/li>\n<li><b>Natural disaster:<\/b> If you\u2019re affected by a natural disaster, Brazos has forbearance options for you.<\/li>\n<\/ul>\n<p>If you\u2019re granted forbearance, though, keep in mind interest charges will continue to accrue on your loans.<br \/>\n<a name=\"compares\"><\/a><\/p>\n<h2>How Brazos compares to other lenders<\/h2>\n\n<table id=\"tablepress-205\" class=\"tablepress tablepress-id-205 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><th class=\"column-2\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img fetchpriority=\"high\" decoding=\"async\" width=\"400\" height=\"128\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/brazos-education-lending-logo-proper-size-1.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"brazos student loan refinance\" srcset=\"https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/brazos-education-lending-logo-proper-size-1.png 400w, https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/brazos-education-lending-logo-proper-size-1-300x96.png 300w, https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/brazos-education-lending-logo-proper-size-1-150x48.png 150w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/brazos\/\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n        <\/div>        <\/div>\n        <\/th><th class=\"column-3\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img decoding=\"async\" width=\"768\" height=\"296\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/penfed-purefy-1200-1-768x296.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/penfed-purefy-1200-1-768x296.png 768w, https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/penfed-purefy-1200-1-600x232.png 600w, https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/penfed-purefy-1200-1-300x116.png 300w, https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/penfed-purefy-1200-1-150x58.png 150w, https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/penfed-purefy-1200-1.png 1200w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/penfed\/\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n        <\/div>        <\/div>\n        <\/th><th class=\"column-4\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img decoding=\"async\" width=\"347\" height=\"55\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/citizens_logo_trans-e1617739618865.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/citizens_logo_trans-e1617739618865.png 347w, https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/citizens_logo_trans-e1617739618865-300x48.png 300w, https:\/\/www.credible.com\/lenders\/wp-content\/uploads\/citizens_logo_trans-e1617739618865-150x24.png 150w\" sizes=\"(max-width: 347px) 100vw, 347px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/citizens-bank\/#citizens-bank-student-loan-refinancing\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/lenders\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n        <\/div>        <\/div>\n        <\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Rates from (APR)<\/strong><\/td><td class=\"column-2\"><strong>Fixed:<\/strong> <br \/>\n  <span>\n    3.99%+<sup><\/sup>\n  <\/span>\n<br \/>\n<br \/>\n<strong>Variable:<\/strong> <br \/>\n  <span>\n    3.63%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\"><strong>Fixed:<\/strong> <br \/>\nCheck with lender<br \/>\n<br \/>\n<strong>Variable:<\/strong> <br \/>\nN\/A<\/td><td class=\"column-4\"><strong>Fixed:<\/strong> <br \/>\n  <span>\n    5.65%+<sup>1<\/sup>\n  <\/span>\n<br \/>\n<br \/>\n<strong>Variable:<\/strong> <br \/>\n  <span>\n    5.67%+<sup>1<\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Loan repayment terms (Years)<\/strong><\/td><td class=\"column-2\">5, 7, 10, 15, 20<\/td><td class=\"column-3\">5, 8, 12, 15<\/td><td class=\"column-4\">5, 7, 10, 15, 20<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Loan amount<\/strong><\/td><td class=\"column-2\">$10,000 to $400,000 <\/td><td class=\"column-3\">$7,500 to $300,000<\/td><td class=\"column-4\">$10,000 to $500,000 <br \/>\n<small>(depending on level of education)<\/small><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Cosigner release?<\/strong><\/td><td class=\"column-2\">Not offered<\/td><td class=\"column-3\">Applications accepted after 12 months of consecutive on-time payments<\/td><td class=\"column-4\">Yes, applications accepted after 36 months of consecutive payments<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>Transfer parent loan to child?<\/strong><\/td><td class=\"column-2\">No<\/td><td class=\"column-3\">Yes<\/td><td class=\"column-4\">No<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><strong>Loan servicer<\/strong><\/td><td class=\"column-2\">Firstmark Services<br \/>\n<small>(Nelnet)<\/small><\/td><td class=\"column-3\">PenFed <\/td><td class=\"column-4\">Firstmark Services <br \/>\n<small>(Nelnet)<\/small><\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><strong>Best for<\/strong><\/td><td class=\"column-2\">Graduates with strong credit and income<\/td><td class=\"column-3\">Refinancing student loans taken out by parent or spouse<\/td><td class=\"column-4\">Refinancing large loan balances<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td colspan=\"4\" class=\"column-1\"><center><b>Considering student loan refinancing?<\/b><br><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/refi\/prequal\">Compare Rates Now<\/a><\/center><\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td colspan=\"4\" class=\"column-1\"><p style=\"text-align: center;\"><small>All APRs reflect autopay and loyalty discounts where available | <a href=\"https:\/\/www.citizensbank.com\/student-lending\/DisclosureHub.aspx#rate-lowest\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>1<\/sup>Citizens Disclosures <\/a> | <a href=\"https:\/\/www.credible.com\/a\/college-ave-disclosures\/\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>2<\/sup>College Ave Disclosures <\/a>| <a href=\"https:\/\/www.elfi.com\/terms\/\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>3<\/sup> ELFI Disclosures<\/a> | <a href=\"https:\/\/www.credible.com\/a\/invested-slr-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>4<\/sup>INvestEd Disclosures<\/a> | <a href=\"https:\/\/www.credible.com\/a\/ISL-Disclosures\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>5<\/sup>ISL Education Lending Disclosures<\/a> <\/small><\/p><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<a name=\"brazos-student-loan-refinancing\"><\/a><\/p>\n<h2>How to refinance student loans with Brazos<\/h2>\n<p>If you live in Texas, finished your degree, and have good credit and earnings, it\u2019s worth checking rates for student loan refinancing with Brazos.<\/p>\n<p>Before making a final decision, it\u2019s wise to also <a href=\"https:\/\/www.credible.com\/refinance-student-loans\">compare rates from other lenders<\/a> that offer student loan refinancing. Credible makes it easy to request rates from Brazos and other top lenders that offer student loan refinancing by filling out a single form without hurting your credit score.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><span style=\"font-size: x-large;\"><strong>Find out if refinancing is right for you<\/strong><\/span><\/p>\n<ul class=\"list--iconArrow accent--isGreen\">\n<li><strong>Compare actual rates, not ballpark estimates<\/strong> &#8211; Unlock rates from multiple lenders with no impact on your credit score<\/li>\n<li><strong>Won&#8217;t impact credit score<\/strong> &#8211; Checking rates on Credible takes about 2 minutes and won&#8217;t impact your credit score<\/li>\n<li><strong>Data privacy<\/strong> &#8211; We don&#8217;t sell your information, so you won&#8217;t get calls or emails from multiple lenders<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/refinance-student-loans\">See Your Refinancing Options<\/a><br \/>\n<small>Credible is 100% free!<\/small><\/p>\n<p><!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<\/div><\/div>\n<h2>How Brazos can improve<\/h2>\n<p>Even though Brazos has helped thousands of Texas residents refinance their student loans, it could be even more valuable to borrowers by:<\/p>\n<ul>\n<li>Offering refinancing to residents of other states<\/li>\n<li>Accepting applications for cosigner relief<\/li>\n<li>Letting the student take over PLUS loans that their parents took out on their behalf<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Best for: Graduates with strong credit and income Refinancing without a cosigner Texas residents Brazos Higher Education is a nonprofit lender that offers student loan refinancing to Texas residents at competitive rates and with flexible&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/lenders\/brazos\/\">Continue reading<\/a><\/p>\n","protected":false},"author":9,"featured_media":10969,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[1476],"tags":[1450],"class_list":["post-10920","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-loan-refinancing","tag-silo-reviews-refi","brazos","post_tag-silo-reviews-refi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - 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