Brazos is a term used to refer to a group of not-for-profit corporations, managed by Brazos Higher Education Service Corporation, Inc. (BHESC), which are dedicated to the acquisition, origination and servicing of student loans. For over 31 years, Brazos has facilitated the financing of postsecondary education, making it a reality for thousands of students nationwide. The Brazos companies combined hold the distinction of being the #1 not-for-profit holder of federally guaranteed student loans in the United States, with assets in excess of fifteen billion dollars.

As not-for-profit lenders, AFC and EFSI are dedicated to “giving back” to the community in the form of scholarship programs and money-saving loan discounts which can reduce your Stafford and PLUS interest rate from the first day of repayment!

AFC and EFSI are separate student lending organizations that have independent relationships with multiple colleges and universities around the USA. Be sure to look for AFC or EFSI on your preferred college lender list next fall.

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