What state financial aid is available in Texas?

TEXAS Grant (need-based) and the College Access Loan (state-backed supplemental) are primary programs. Visit highered.texas.gov for current eligibility.

What is the Texas College Access Loan (CAL)?

The CAL is a state-backed supplemental loan for Texas students after federal aid is exhausted — worth comparing against private lenders. See highered.texas.gov for current rates.

Should I take federal or private student loans in Texas?

Exhaust federal loans, TEXAS Grant, and CAL before private. Federal loans offer income-driven repayment and PSLF. Apply at studentaid.gov first.

Does Texas have a student loan forgiveness program?

Texas does not have a broad state forgiveness program. Texas public employees and teachers may qualify for federal PSLF and Teacher Loan Forgiveness — see studentaid.gov.

How do I compare private student loans in Texas?

After TEXAS Grant, federal loans, and CAL, compare private lenders on APR, repayment, and cosigner release. THECB at highered.texas.gov is the authoritative state resource.

Student Loans in Texas

Texas's TEXAS Grant is a large need-based grant for Texas residents at eligible Texas public institutions. The College Access Loan (CAL) is a state-backed supplemental loan for Texas students after federal aid is exhausted. Texas's Top 10 Percent Rule guarantees UT Austin admission to top-10-percent Texas high school graduates. UT, A&M, and the UT System offer competitive in-state tuition.

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