Loans

• Fixed interest loans.
• Repayment can be deferred until six months after completion of the program of study or enrollment drops to less than half time.
• Up to $20,500 per year.
• Standard repayment is 10 years, though borrowers can obtain extended repayment terms up to 25 years if needed and they qualify.
• Eligible for income-driven repayment options.
• May be included in a federal consolidation loan after the student is out of school. Depending on your total debt, the consolidation loan repayment term can be up to 30 years. 
• Deferrable during future qualified enrollment after law school.
• If you are eligible to receive a Federal Unsubsidized Loan, we will offer an award for the eligible amount in the Scholarships & Financial Aid section of the Howdy Portal. You should accept any desired amount there. A valid Master Promissory Note (MPN) and loan entrance counseling must be completed at https://studentloans.gov/myDirectLoan/index.action for Texas A&M University.

By providing an opportunity to engage in community-driven advocacy, the Civil Rights Clinic aims to develop creative, adaptive, and thoughtful lawyers who are confident in their ability to take on new issues and challenges in their future careers.

• Fixed interest loans.
• Repayment can be deferred until six months after completion of the program of study or enrollment drops to less than half time.
• Standard repayment is 10 years, though borrowers can obtain extended repayment terms up to 25 years if needed and they qualify.
• Eligible for income-driven repayment options.
• Available for cost of attendance, less other aid.
• Must meet credit criteria. Although a credit score is not used to determine eligibility, you must not have adverse credit as defined in federal regulations. If you do not qualify for credit approval, an endorser may be obtained to achieve approval.
• May be included in a federal consolidation loan after the student is out of school. Depending on your total debt, the consolidation loan repayment term can be up to 30 years.
• Deferrable during future qualified enrollment after law school. 
• If you are offered eligibility to borrow through a Federal Graduate PLUS Loan, you will need to obtain a credit approval and complete a Grad PLUS Master Promissory Note (MPN). To accept the Grad PLUS loan award and borrow funds, visit https://studentloans.gov/myDirectLoan/index.action and select the option to Request a Direct PLUS Loan.
  • Approval usually is displayed immediately.
  • If you do not qualify for an immediate approval, you may be approved later, or may be eligible for an approval with a qualified loan endorser.
  • The MPN should be completed in the same website.

• Available through the state of Texas to students who have been Texas residents for at least one year before entering school.
• Fixed interest rates are available.
• Repayment begins six months after half-time enrollment ceases. Helps pay educational expenses beyond Unsubsidized Loan limits within the university-designated cost of attendance.
• A creditworthy co-signer may be required if you do not meet credit criteria.
• More information is available at www.hhloans.com.

• Available from several private lenders.
• Each lender sets its own guidelines and criteria.
• Based on your creditworthiness.
• Usually limited to the university-designated cost of attendance.
• Repayment is normally deferred while the student is in school.
• May be available for enrollments of less than half time.
• May have a post-enrollment grace period to delay repayment.

• Private loans available from a variety of lenders to fund post-enrollment activities such as bar review courses, the bar exam, and living expenses during bar exam preparation.
• Based on creditworthiness; each lender may have its own criteria for approval.
• Some lenders may permit or encourage co-signers for approval.
• May have a post-enrollment grace period to delay repayment.