State of Texas Loan

Loan money is money for the student’s educational expenses that must be paid back to the lender.

The state of Texas offers the College Access Loan (CAL) program for undergraduate, Texas residents who are seeking additional loan programs.

There is a credit check required and almost always a co-signer is necessary.

The state offers a fixed rate of 4.5% for 2015-2016.  As new interest rates are announced, we will update this page.

The student starts their 10-year repayment after they have completed their education or ceased to attend, similar to federal direct student loans.

Students and families interested in utilizing this program are encouraged to begin the process early. Each school has limited loan allocations and processing time can take up to 2-4 weeks.

Note: You can not consolidate federal and state loan debt. You will need to pay these loan payments separately.

To apply for the College Access Loan:

  • Start with the Texas website -
  • Schreiner will be notified once you've been approved and all paperwork with the state has been completed by you

Please contact the Financial Aid office with any questions. You can reach us at, 1-800-343-4919 or 830-792-7217, or visit us in person in the Welcome Center. Our office is open Monday – Friday from 8am – 5pm.