Future Occupations & Reskilling Workforce Advancement to Reach Demand (FORWARD) Loan Program


The Future Occupations & Reskilling Workforce Advancement to Reach Demand (FORWARD) Loan Program provides alternative educational loans to Texas students who are unable to meet an institution’s cost of attendance (COA*).

The FORWARD Loan Program is a low-interest loan designed for students enrolled in programs aligned with high value credentials and high demand occupations. This program is limited to students enrolled in specific programs within the fields of Nursing/Patient Care, Teaching, Technology, Transportation/Logistics, and Energy. To see if your program is eligible, refer to the full list here. Eligible credentials are reassessed annually. To qualify, you must also be able to complete this program within two years or less. See below for further eligibility details.

*An institution’s COA is an estimate of the average expenses a student would need to pay to attend that school for an academic year. This amount includes both direct and indirect expenses. Direct expenses are those that an institution bills a student for, such as tuition, fees, and room and board (for students living on campus). Indirect expenses are estimates of other costs that students should expect to pay while they’re in school. This includes costs for books and supplies, transportation, and personal expenses.

The amount of federal aid that a student is eligible for must be deducted from the cost of attendance in determining the FORWARD Loan amount. This is true even if the student has not accepted the aid that was offered.


Student Eligibility Requirements

Students must:

  Additional enrollment requirements:


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 Apply Online.


Where Can I Get More Information?

Review Coordinating Board Rules, Chapter 22, Subchapter J  and the Texas Education Code, Chapter 52, or contact our Borrower Services Department: