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Loan and Scholarship Programs from the Texas Higher Education Coordinating Board

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Office Closed: In observance of Independence Day, the Texas Higher Education Coordinating Board will be closed from July 4 through July 7, 2025. You may still access your account online or submit a payment using any of the methods outlined in Payment Options. During this closure, please send inquiries through Contact Us (select "Student Loan Question" for the subject under Contact Reason) and someone will respond when the agency reopens.

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Welcome to the Texas Higher Education Coordinating Board’s (THECB) student loan and scholarship website! Since 1965, the Texas Higher Education Coordinating Board has provided low-interest loans and scholarships for students who are Texas residents and eligible to pay in-state tuition. On this site, you can find information regarding:

 

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

We are excited to announce that we have a new low-interest loan option for Texas students. The FORWARD Loan Program is designed for students who are at least halfway to completing specific degree or certification programs within the fields of Energy, Nursing/Patient Care, Teaching, Technology, and Transportation/Logistics. To see if your program is eligible, refer to the full list here. To qualify, you must be able to complete your program within two years or less. 

Visit the FORWARD Loan Program webpage for eligibility requirements and details about how to apply.

 

College Access Loan (CAL) Program

The CAL Program provides alternative education loans to Texas students who are unable to meet cost of attendance.

Visit the CAL Program webpage for eligibility requirements and details about how to apply.

Effective September 1, 2023, the Texas Higher Education Coordinating Board is required to calculate the final loan amount based on a student's "manageable debt" for the borrower's program of study (see amounts) on College Access Loan (CAL) applications (see TAC, Section 22.49(c)).     

 

Texas Armed Services Scholarship Program (TASSP)

The Texas Armed Services Scholarship Program encourages students to complete a baccalaureate degree and become members of the Texas Army National Guard, Texas Air National Guard, Texas State Guard, United States Coast Guard, or United States Merchant Marine, or to become commissioned officers in any branch of the armed services of the United States.

Visit the TASSP webpage for eligibility requirements and details about how to apply.

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Loan Repayment and Forgiveness 

Did you know there are a number of state and federal loan repayment programs available? Depending on your profession, you may qualify for one. Check out the various programs and determine eligibility here. 

Some state financial aid programs are no longer offered but may qualify for forgiveness. Visit Forms - Loan and Scholarship Programs for forgiveness applications and instructions.