Current Students: State of Texas Loans

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 5.25% for 2014-2015. 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 varies.

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

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.