Types of Financial Aid


  1. Scholarships

A variety of financial aid options are available, including a range of scholarships. South Texas College of Law Houston awards multi-year scholarships to selected entering law students. All admitted students are considered for scholarships; no special application is needed.

  1. Federal Student Loans

There are two types of Federal Student Loans you can receive while attending South Texas College of Law Houston.

Federal Direct Unsubsidized Stafford Loans are available to eligible law students who apply for federal aid using the Free Application for Federal Student Aid (FAFSA). Students may qualify for up to $10,250 every semester. Interest begins accruing following disbursement. Borrowers receive a six-month grace period, following graduation or withdrawal, before repayment begins.

Federal Direct Graduate PLUS Loans are available to students who do not have adverse credit. Students may borrow up to the cost of attendance, minus the Unsubsidized Stafford Loan. There is no grace period on this loan; however, there is an automatic six-month deferment.

Note: In some circumstances, the inability to borrow Graduate PLUS loans due to negative credit will affect your ability to finance your legal education. The law school doesn’t have the resources to lend money to students who cannot obtain Graduate Plus loans. Please review your credit report to correct any errors or make plans to get caught up on delinquent accounts. You may also wish to secure a cosigner or co-endorser for this loan.

Loan Terms, Sample Repayment Schedule, Entrance Counseling, and Master Promissory Note links

Federal student loans must be repaid. Students should read about the loan terms and conditions, repayment options and obligations associated with borrowing federal or any other type of loan. The Federal Student Aid sites have the best information for student borrowers:

  1. Federal Work-Study

The Federal government supplies a limited amount of Federal Work Study (FWS) funds to schools to award to students with exceptional need as determined by the Free Application for Federal Student Aid (FAFSA). Eligible students who complete the FAFSA and have demonstrated financial need may be awarded FWS as part of their financial aid package. Both on and off-campus work opportunities are available.

  1. TEG

Texas residents who complete a Texas Educational Grant (TEG) application may qualify for a grant that doesn’t need to be repaid. The amount of funds are limited and cover only a small portion of a student’s costs.

  1. Private Alternative Loans

Private alternative loans are available to students who, in unique circumstances, do not qualify for Federal Direct Loans. To qualify for this type of loan, a student will apply through a private lender and his/her credit will be reviewed. Loan terms vary from lender to lender and comparison shopping is recommended. STCL students must use the FASTChoice process to apply for and receive private alternative loans.

  1. Bar Exam Loans

Bar Exam Loans are available to students who need assistance with bar exam related expenses. To qualify for this type of loan, a student will apply through a private lender and his/her credit will be reviewed. Loan terms vary from lender to lender and comparison shopping is recommended.

  1. College Access Loan Program

The College Access Loan Program provides alternative educational loans to Texas students who are unable to meet the cost of attendance. The amount of federal aid that a student is eligible for (regardless of whether actually accepted) must be deducted from the cost of attendance in determining the CAL loan amount. Effective April 25, 2017, College Access Loans will carry a fixed interest rate of 6.60 percent and will require a minimum Experian Vantage Score of 650 for credit approval. An origination fee will no longer be assessed for all approved CAL borrowers. Borrowers who start the CAL application process on or after April 25, 2017 will be subject to this credit requirement and interest rate.