Student Loans

Student Loans, unlike grants, scholarships and work-study, are borrowed funds that must be paid back, with interest. Loans are legal obligations, so before borrowing each year, consider the amount you will have to repay.

Federal Student Loans 101

Responsible Borrowing

What to Expect when repaying your Federal Student Loans

How to estimate your Student Loan Payments

TAMIU offers the following loan programs:

The College Access Loan (CAL) program provides alternative educational loans to Texas-resident students who are unable to meet the cost of attendance. CAL loan approval is based on credit. Students can apply at hhloans.com.

The Bursar's Office provides information about important dates, office hours, location, payment options, and tuition and fees. For more information regarding Installment Payment Plans, Emergency Tuition Loans and Emergency Books loans please visit the Bursar's website.

Graduate students enrolled in a degree-seeking program and attending school at least half-time are eligible to apply for a Graduate PLUS loan. Unlike the Direct Unsubsidized loan, Graduate PLUS loan approval is based on your credit. TAMIU highly recommends you apply for the maximum annual amount available under the Direct Loan program before applying for the Graduate PLUS Loan. Graduate PLUS Loans disbursed on or after 7/1/19 and before 7/1/20 have a fixed interest rate of 7.08% and the current origination fee is 4.236%. You can visit the Federal Student Aid website for more information.

Parents of dependent undergraduate students can apply for a Parent PLUS loan to help pay education expenses. Parents can apply by signing into the studentloans.gov website. You will need your federal student aid (FSA) ID. A credit check will be performed during the application process and the parent borrower must also sign a Master Promissory Note. Parent PLUS Loans disbursed on or after 7/1/19 and before 7/1/20 have a fixed interest rate of 7.08% and the current origination fee is 4.236%.

Student Loans, unlike grants, scholarships and work-study, are borrowed funds that must be paid back, with interest. Loans are legal obligations, so before borrowing each year, consider the amount you will have to repay.

A step by step guide for the Student Loan process click here

What you need to know about your federal student loan benefits if your a member of the U.S. Armed Forces click here

Federal Direct Loans

The William D. Ford Direct Loan program, known as Direct Loans, was authorized and created by the Higher Education Act of 1965. The program provides subsidized, unsubsidized, PLUS, GradPLUS and consolidation loans to borrowers for educational purposes. The lender for all of these loans is the U.S. Department of Education. 

Students must meet the following requirements in order to receive a student loan:

  • Students must complete a FAFSA and all other financial aid requirements every academic year
  • Be enrolled a minimum of six credit hours each semester
  • Meet TAMIU's Satisfactory Academic Progress (SAP) Policy. To view current SAP Policy click here.
  • Attend Entrance Counseling
  • Complete a Master Promissory Note and online counseling

For more information regarding the Federal Student Aid Loan click here.

What's the difference between Direct Subsidized Loans and and Direct Unsubsidized Loans?

Maximum Annual Loan Limits - Subsidized and Unsubsidized
Year in College Dependent
Undergraduate Student
Undergraduate Student
Graduate and Professional
Degree Student
0-29 hours completed
$3,500 Subsidized
$2,000 Unsubsidized
$3,500 Subsidized
$6,000 Unsubsidized
Unsubsidized Loans
30-59 hours completed
$4,500 Subsidized
$2,000 Unsubsidized
$4,500 Subsidized
$6,000 Unsubsidized
Junior - Senior
60+ hours completed
$5,500 Subsidized
$2,000 Unsubsidized
$5,500 Subsidized
$7,000 Unsubsidized
Maximum Total Debt
allowed in a lifetime
$31,000¹ $57,500¹ $138,500²

¹ Only $23,000 of this amount may be in subsidized loans
²The graduate debt limit includes loans received during undergraduate study

NOTE: The amounts shown in the chart above are the maximum amounts that you may borrow for an academic year. An academic year for financial aid awarding purposes consists of the fall, spring and consecutive summer terms; for example: Fall 2016, Spring 2017 and Summer 2017 (SSI, SSII and SSIII combined). You might receive less than the maximum if you receive other types of financial aid that is used to cover a portion of your cost of attendance. You will also be limited on the amount you can borrow if you are borrowing for a term less than an academic year, such as a Spring only loan. The amount of the loan can not exceed the student's cost of attendance.

It is with great pleasure that we announce Texas A&M International (TAMIU) has partnered with Trellis Company to provide you with access to the award winning iGrad Financial Literacy Platform. As you may be aware, the lack of education on personal money management in our country has resulted in a wide variety of economic and social concerns. The impact is felt by Americans of every background, regardless of level of education or income. TAMIU is proud to be providing you with the tools and support that you need to empower yourself with the knowledge to build a strong foundation for your financial future! On the iGrad platform you can explore articles, videos, calculators, games, modules, and more! Just a few of the topics covered are:

  • Budgeting
  • Saving and Investing
  • Scholarships and Financial Aid
  • Career Development
  • Much, much, more

You will be able to access the site directly at www.igrad.com/schools/TAMIU.


The St. David's Foundation Central Texas Loan Repayment Program was funded through a grant to the Texas Higher Education Coordinating Board for the purpose of recruiting and retaining qualified primary care and behavioral health providers at eligible sites located in the five-county area served by the Foundation. Primary care and behavioral nurse practitioners may qualify for student loan repayment awards for up to $15,000 per year for four years of service at eligible sites. Applications and detailed eligibility requirements can be found on the program web page at http://www.hhloans.com/index.cfm?ObjectID=E114B4A9-EC91-DA04-D17E0CF7A0F3970D.

The Office of Student Financial aid recommends that students utilize federal student loans before considering private educational loans. Federal loans have lower fixed interest rates as well as deferment and consolidation options. Private loans should be used for circumstances where you have exhausted all other options, including federal aid and scholarships, in regards to financing your education.

Students who need further financing should select the loan that best meets funding needs and offers the best interest rate and borrower benefits. Points to consider when choosing a lender:

  • Interest Rate - it may be capitalized, therefore, increasing the amount of money you ultimately owe. Consider using a cosigner, you may qualify for slightly lower rates.
  • Fees - the interest rates and fees that you pay are based on your credit score and the credit score of your cosigner, if you choose to use one.
  • Borrower Benefits - these vary by lender.
  • Repayment Terms - some lenders require you to pay while you are in school. Others will defer payments until after graduation.
  • Eligibility Requirements - check the requirements for the loan.

Borrowers who have questions regarding federal or private student loans are encouraged to contact the Office of Student Financial Aid at 956-326-2225 for more information or individual assistance.

After a student has researched and selected the alternative loan of their choice, and once the lender approves the loan application, TAMIU provides loan certification information to the lender so that funds are available at the same time as regular financial aid. For private alternative loans, please visit www.ELMSelect.com for loan options. TAMIU has no written or implied preferred lender arrangement with any lender ( Policy on Preferred Lender Lists). Students can choose any lender, including a lender not listed.  TAMIU uses ELMSelect as an online, lender-neutral platform to display a historical list of lenders and education loan products that our students have used over the past five years.  

As a result of the Truth in Lending Act (TILA) of 2009, borrowers will be required to submit a Private Education Loan Applicant Self-Certification to their lender before funds can be disbursed. Your lender will provide you with this form when you apply for the private loan. You may also obtain a copy of this form here: Private Education Loan Self Certification. Private loan disbursements cannot be made until you have submitted this form to your lender.

Below is an example of what to expect if you apply for a private loan:

  • Apply online (you will receive the Application Disclosure Statement).
  • Obtain the self-certification form and return to your lender.
  • If approved for the loan, you will be provided an Approval Disclosure Statement.
  • Finally, you will receive a Final Disclosure Statement (allowing you up to 3 days to cancel the loan before it disburses).

Please use these loan term dates when filling out an application:

2019 - 2020 Aid Year
Fall 2019- Spring 2020
08/27/19 - 05/07/20
Fall 2019 only
08/27/19 - 12/12/19
Spring 2020 only
01/21/20 - 05/07/20
Summer 2020 only
05/11/20 - 08/21/20


Please view the Code of Conduct for Educational Loans for more information on TAMIU's commitment to conducting ethical financial practices in the interest of students and in compliance with applicable law. The Private Educational Loan Disclosures provides additional facts regarding private educational loans.

The Public Service Loan Forgiveness (PSLF) Program is intended to encourage individuals to enter and continue to work full-time in public service jobs. Under this program, you may qualify for forgiveness of the remaining balance due on your William D. Ford Federal Direct Loan Program (Direct Loan Program) loans after you have made 120 qualifying payments on those loans while employed full-time by certain public service employers. Since you must make 120 qualifying payments on your eligible federal student loans after October 1, 2007 before you qualify for the loan forgiveness, the first forgiveness of loan balances will not be granted until October 2017.

For more information in regards to the PSLF Program click here

TRELLIS as a nonprofit corporation offers resources to help students and parents understand student loans. Click on the links below to learn more:

Student Loans

Student Loan Repayment Options

Calculator for Student Borrowers

Financial Coaching

Handling Default

Texas A&M International University
Zaffirini Student Success Center Suite 214
5201 University Blvd.
Laredo, TX 78041

Phone 956.326.2225
Fax 956.326.2224