College Access Loan (CAL) Program

The College Access Loan Program provides alternative educational loans to Texas students who are unable to meet the cost of attendance. The amount of federal aid that a student is eligible for (regardless of whether actually accepted) must be deducted from the cost of attendance in determining the CAL loan amount.

Eligibility Requirements

Students must

Annual Loan Amounts

Cosigner Eligibility Requirements

Cosigners must

Favorable Credit Evaluation Requirements

Students or cosigners must

In line with financial industry practice, Texas Higher Education Coordinating Board reports account obligations to the credit reporting agencies. The reporting is at the loan level, with each loan reported as a tradeline. Cosigners are equally responsible for the repayment of the loan if the student fails to meet his or her repayment obligation.

Interest Rate


How Can I Apply?

You can apply at Loans Online.

Where Can I Get More Information?

For more information, review Coordinating Board Rules, Chapter 22, Subchapter C, and the Texas Education Code, Chapter 52, or contact our Borrower Services Department at:

Toll Free: (800) 242-3062
Email: Borrower Services