Brazos Higher Education
- Company typePrivate
- Founded1975
- HeadquartersWaco, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
Brazos Higher Education firmographics
Firmographics- Name
- Brazos Higher Education
- Legal name
- The Brazos Higher Education Service Corporation, Inc.
- Website
- https://studentloans.com
- Company type
- Private
- Founded year
- 1975
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Brazos Higher Education industry classification
Industry- Product category
- Private Student Lending
- SIC
- Personal Credit Institutions (6141), Federal & Federally-Sponsored Credit Agencies (6111)
- akta.pro primary industry
- Private Student Loans (Undergraduate & Graduate) (FSAKAEAB)
- akta.pro secondary industries
- Parent & Family Education Loans (e.g., PLUS/private parent loans) (FSAKAEAC), Student Loan Programs & Servicers (Public/Nonprofit) (EDADAHAE)
Keywords
Where Brazos Higher Education is headquartered
LocationHeadquarters
- HQ city
- Waco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Brazos Higher Education business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Student Loans: Brazos originates private student loans for Texas residents attending college. Revenue is generated through interest payments on loans. They offer fixed and variable rate loans with terms up to 20 years, with a 0.25% auto-pay discount for ACH payments.
- Parent Loans: Private parent loans to help families finance their student's education. Parents can cosign to increase approval chances.
- Student Loan Refinancing: Refinancing existing student loans to potentially lower interest rates for graduates.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Student Loans - Fixed and Variable Rate Options |
| Subscription | Monthly | Parent Loans |
| Subscription | Monthly | Student Refinance |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Brazos Higher Education product offering
Product offeringCore offering
Brazos Higher Education is a Texas non-profit organization that originates and services private student loans, parent loans, and student loan refinancing for Texas residents and students attending Texas colleges. It offers fixed and variable rate loan products across undergraduate, graduate, MBA, law, medical, dental, veterinary, health professions, and doctoral programs, with no application, origination, or prepayment fees and a 0.25% auto-pay discount.
Product overview
Brazos Higher Education operates studentloans.com as a Texas-based non-profit student loan organization offering a comprehensive suite of private education financing products. The portfolio includes student loans for various academic levels and professional programs (Undergraduate, Graduate, MBA, Law, Medical, Dental, Veterinary, Health Professions, and Doctoral loans), Parent PLUS-style loans, and Student Loan Refinance options. The organization also provides scholarship programs including the Murray Watson, Jr. Scholarship ($5,000 monthly) and a $1,000 No Essay Scholarship. All products feature competitive interest rates with a 0.25% auto-pay discount, no application or origination fees, and flexible repayment options. Brazos serves Texas residents and students attending Texas colleges, offering transparent pricing and loans covering up to 100% of school-certified expenses.
Differentiator
Problem solved
Functional benefit
Products and services
- Undergraduate Student Loan
Quantifiable outcome
- 2 million+ students served
- +1 more outcomes
Companies that use Brazos Higher Education
Customer profileSegments4 records
Ideal customer profiles4 records
Brazos Higher Education technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Brazos Higher Education partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Bank of Lake MillscoreBank of Lake Mills is a partner lender for some Brazos loan products. Loans are made by Brazos Education Lending Corporation or Bank of Lake Mills. Bank of Lake Mills is Member FDIC and is not affiliated with any school attended by borrowers.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
Brazos Higher Education competitors and assessment
Company assessmentEmerging players
- Splash Financial: Splash operates a student loan refinance marketplace aggregating multiple lenders, competing with Brazos's refinance product and increasingly its in-school loans through its lender network.
- CommonBond: CommonBond is an online lender specializing in student loan refinancing with a social-impact mission, overlapping with Brazos's refinance product and competing for refinancing graduates.
- Ascent Funding: Ascent is an emerging student loan fintech offering outcomes-based underwriting without cosigners, competing in the same undergraduate and graduate segments as Brazos with a more technology-forward approach.
Direct peers
- SoFi: SoFi is a leading online lender offering private student loans, parent loans, and student loan refinancing, directly overlapping with Brazos's product portfolio and targeting similar digitally-native borrowers.
- Earnest: Earnest (a Navient-serviced brand) provides private student loans and refinancing with a precision-pricing underwriting model, competing head-to-head with Brazos in the refinance and graduate/professional loan segments.
- College Ave Student Loans: College Ave offers private student loans across undergraduate, graduate, and parent loan categories with a similar direct-to-consumer online model, positioning it as a direct niche competitor to Brazos.
- Sallie Mae: Sallie Mae is the largest private student loan originator in the U.S., directly competing with Brazos across undergraduate, graduate, MBA, and medical/dental loan products with comparable fixed/variable rate structures.
Broad incumbents
- Discover Student Loans: Discover provides undergraduate, graduate, and consolidation student loans alongside its broader consumer credit card franchise, competing with Brazos on rate transparency and no-fee positioning.
- Citizens Bank Education Lending: Citizens offers private student loans and refinancing through its large national retail banking platform, providing broader geographic reach than Brazos but with overlapping product features in the same competitive set.
Others
- Nelnet: Nelnet is a major student loan servicer that handles federal and private loan servicing for many lenders, including through platforms like CampusDoor that Brazos uses, making it a relevant infrastructure-adjacent peer.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Brazos Higher Education social profiles
Digital presenceBrazos Higher Education financial estimates
Financial estimateRevenue estimate
Valuation estimate
Brazos Higher Education leadership team
Management profileNumber of profiles
Brazos Higher Education subsidiaries and ownership
Company hierarchySubsidiaries4 records
Brazos Higher Education funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Brazos Higher Education M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Brazos Higher Education
What does Brazos Higher Education do?
Brazos Higher Education is a Texas non-profit organization that originates and services private student loans, parent loans, and student loan refinancing for Texas residents and students attending Texas colleges. It offers fixed and variable rate loan products across undergraduate, graduate, MBA, law, medical, dental, veterinary, health professions, and doctoral programs, with no application, origination, or prepayment fees and a 0.25% auto-pay discount.
Is Brazos Higher Education a public or private company?
Brazos Higher Education is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Brazos Higher Education founded?
Brazos Higher Education was founded in 1975. It employs 11 to 50 people.
Where is Brazos Higher Education based?
Brazos Higher Education is headquartered in Waco, United States, in the North America region.
How does Brazos Higher Education make money?
Three revenue lines are on record. Student Loans are the primary driver. The others are parent Loans and student Loan Refinancing.
Who are Brazos Higher Education's main competitors?
Emerging players on record are Splash Financial, CommonBond and Ascent Funding. Direct peers are SoFi, Earnest, College Ave Student Loans and Sallie Mae. Broad incumbents are Discover Student Loans and Citizens Bank Education Lending. Nelnet is listed as an others.
Does Brazos Higher Education have an API?
No public API is recorded for Brazos Higher Education.
What industry is Brazos Higher Education in?
Brazos Higher Education's product category is Private Student Lending. Its primary akta.pro industry code is FSAKAEAB, Private Student Loans (Undergraduate & Graduate), with a secondary code of FSAKAEAC, Parent & Family Education Loans (e.g., PLUS/private parent loans). Its SIC code is 6141.