Group of diverse college students laughing and walking together on campus, holding notebooks and backpacks.

Not for profit.
Totally for you.

We are a Texas-based nonprofit dedicated to helping students achieve their higher education goals by providing customer-centric loan servicing, helpful college and career-planning resources and low-cost education loans.

Learn about our Texas Extra Credit Loan program

Explore resources
for college and beyond

Manage your loan, make a payment and more

  • Young Caucasian male with glasses in a blue collared shirt smiling at the viewer.

    Private Loan Options to Help you Succeed

    As a nonprofit, we’re dedicated to offering responsible, low-cost loan products that set us apart and help you achieve your goals.

    Explore our Loan Options
  • College-aged Hispanic female in a collared shirt smiling at the viewer.

    Focus on Your Education

    Fund your education with one of our private student loans to reach your higher education goals and give yourself the financial freedom you deserve.

    Explore Student Loans
  • A Hispanic father with white and grey hair, wearing a collared shirt with a wool pullover wraps his arm around his daughter, who is wearing a black and white striped shirt.

    Fund Their Future

    Help a student pay for their higher education expenses with a low-cost parent loan.

    Explore Parent Loans

Numbers matter. But people count.

  • Two stick figures sitting at a table with one holding a piece of paper, indicating a meeting or discussion.

    45

    Years of service

  • Icon of three stylized people with a checkmark

    47K+

    Borrowers

  • Illustration of one hand giving money to another hand

    $23M

    Loans Forgiven

  • Icon of a graduate student wearing a cap, holding a diploma.

    $1B+

    Loans Serviced

  • Young black male student wearing a backpack while standing in a school hallway.

    “Spoke with Jessica today and had a fantastic experience. No one likes paying student loans, but HESC makes it a painless experience. Thanks!”

    Joshua L.

  • Older black female sitting on couch

    “Their customer service department is so efficient and kind in their communications and assistance.”

    Kelli R.

  • Young adult white male taking notes in a notepad while looking at his laptop on a desk.

    “They presented me with excellent repayment options and guided me through the application process. They send reminders about payments and needed filings, so I don't get behind. They have been very responsive to my needs as a borrower.”

    Curtis R.

  • Young black female looking at her phone on a college campus.

    “So helpful and kind! I was very stressed out before and hung up with a smile on my face!”

    Morgan C.

Featured Blogs

HESC Blog
Forbearance on Student Loans: What You Need To Know
Forbearance on Student Loans: What You Need To Know

Struggling with student loan payments? Forbearance might be the relief you need. Learn how it works, how it compares to deferment, and what to expect from this temporary repayment option. Learn more.

Read More →
How to Apply for Student Loan Deferment
How to Apply for Student Loan Deferment

Learn how to apply for student loan deferment and weigh key considerations. Find out if loan deferment can offer temporary relief during economic hardship or other challenges.

Read More →
College Preparation Checklist for High School Students
College Preparation Checklist for High School Students

Ease your college transition with our comprehensive college preparation checklist. Tackle this exciting journey with confidence and clarity.

Read More →

Why Choose Us?

Expertise

We have over 45 years of experience in providing financial aid to Texas students and we own both our loan origination and servicing systems.

Customer Centric

Our customer service is built on empathy and respect, and we do all we can to help borrowers successfully manage their loans and achieve their goals.

Flexibility and Personalization

We understand that every borrower’s situation is unique. By offering multiple repayment options and personalized guidance, we help you choose the plan that best suits your financial situation. Whether you're a student or a parent, we work with you to ensure your loan experience is as smooth and stress-free as possible.

Competitive Interest Rates

We offer low-cost student and parent loans with competitive fixed rates, zero fees to apply, and outstanding borrower benefits.

Support

HESC supports borrowers through every step of the loan process, from application to repayment. When you call us, you’ll be quickly routed to a real person with expertise and dedication to address your needs.

Community Focus

We organize and provide educational outreach programs and services throughout North Texas. Having served nearly 50,000 students and parents since 2014, inspirED is helping students reach their college and career goals through GO Center services, college and career events, and college preparation and financial aid workshops.