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Your Student Loan Solution

Unity One is partnering with Higher Education Servicing Corporation to offer the Texas Extra Credit Education Loan. This is a private student loan program designed specifically for Texas residents attending approved colleges or universities anywhere in the country.

Need Money for College?
Continuing your education is more important than ever, and so is making smart financial decisions when it comes to paying for that education, which is why we offer the Texas Extra Credit Education Loan through our partner, Higher Education Servicing Corp. Texas Extra Credit is a private student loan developed specifically to help Texas residents pay for college when scholarships, grants and federal aid just aren’t enough to cover the full cost of attendance (see Important Notice on this page).

We highly recommend students apply for and utilize all federal student aid programs through the Free Application for Federal Student Aid (FAFSA) at www.fafsa.gov prior to applying for any private student loan.

Apply Now

Program Features

  • Complete your loan application online in as little as 15 minutes - initial credit decisions are typically made within minutes1
  • Competitive fixed rates as low as 2.74% APR (with Auto Pay Discount5) to 6.89% APR2
  • Borrow from $1,000 to $65,000 annually. Loans can even be used for past due balances3 (loans are certified by the school and may not exceed full cost of education minus other financial aid)
  • Maximum aggregate loan limit is $150,000, inclusive of all student loan debt
  • Satisfactory Academic Progress (SAP) not required
  • No application or origination fees


  • 0.25% interest rate reduction just for graduating4
  • 0.25% interest rate reduction for auto-debit payments5
  • Cosigner release after the first 24 consecutive on-time monthly loan payments6
  • Death Forgiveness7
  • Total & Permanent Disability Forgiveness8


  • Choose from our three repayment options: Immediate, Interest-Only or Fully Deferred Repayment5
  • Choice of 5, 10 or 15 - year repayment terms


  • Student borrower must be enrolled at least half time in a degree-granting program (as certified by the school) at an approved school
  • Student borrower and cosigner (if applicable) must be permanent residents of Texas
  • The applicant applying as creditworthy (i.e. the cosigner or the student applying without a cosigner) must provide proof of current income
  • Student borrower and cosigner (if applicable) must be United States citizens/nationals or lawful permanent resident aliens of the United States
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Help Your Student Pay for College with a Private Parent Loan

If you’re a parent, family member or other creditworthy individual interested in paying for a student’s higher education expenses, a Texas Extra Credit Parent Loan may be the answer you’ve been looking for!  With competitive fixed interest rates, a variety of repayment terms and options and valuable borrower benefits, the Texas Extra Credit Parent Loan is a great, low-cost loan option to help a student achieve their higher education dreams without breaking the bank.

Apply For A Parent Loan Now

Start Your Application Today

Completing the online loan application takes as little as 15 minutes. And the application makes it easy to invite a cosigner to the process, mix and match loan options, and compare loan scenarios, so you can select a loan that's right for you.

And don't worry, if you don't have all of the necessary information to complete your application, we'll save it (securely) for you.

Important Notice
If you decide to apply for a private loan, it is best to apply with a creditworthy cosigner as most student applicants do not meet the credit criteria. Having a cosigner may also help secure a lower interest rate.

Texas Extra Credit:
M-F, 8am to 5pm CT
What You'll Need to Apply
  • Bio/Demo Information
  • Employment History
  • Financial Information
  • Reference
Apply Now
Rates last updated on July 20, 2022.

*All rates and benefits are dependent on an approved borrower meeting certain requirements and conditions. For the Parent Loan program disclaimers, click here.