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State Loans

To be eligible for state student financial aid you must:

  • Be a Texas resident or qualify to pay in-state tuition, depending on program requirements.
  • Be registered for the Selective Service unless exempt from registration.

Texas B-On-Time Loan Program

The Texas B-On-Time Loan program is a zero-interest loan. Beginning with the 2015-2016 academic year, only renewal awards will be available. The UT Dallas Office of Financial Aid will determine your renewal eligibility. If this loan is offered to you, the financial aid office will instruct you to complete an application and promissory note online.

To maintain eligibility for future disbursements, the student must:

  • Have completed a FAFSA and be eligible to receive federal financial aid.
  • Be enrolled full-time in an undergraduate degree or certificate program.
  • Be a Texas resident or be entitled to pay resident tuition rates as a dependent child of a member of the U.S. armed forces; and
    • Have graduated in the 2002-2003 academic year or later from a high school operated by the U.S. Department of Defense or under the recommended high school program from a public or accredited private high school in Texas; or
    • Have earned an associate’s degree from an eligible institution no earlier than May 1, 2005.
  • Not have been granted a baccalaureate degree.
  • In the first academic year, make satisfactory academic progress toward a degree or certificate as determined by UT Dallas.
  • In the second and subsequent academic years, complete at least 75% of the semester credit hours attempted in the most recent academic year and have a cumulative GPA of at least a 2.5 on a 4.0 scale (or the equivalent) on all course work previously attempted at institutions of higher education.

The maximum award amount for 2017-2018 at The University of Texas at Dallas is $4,361 per semester.

A 3% origination fee will be deducted from the loan proceeds.

A student may not receive B-On-Time loans for more than 150 hours.

College Access Loan (CAL)

The College Access Loan (CAL) Program provides alternative educational loans to Texas students who are unable to meet the cost of attendance. The CAL may be used to cover part or all of the student’s Expected Family Contribution (EFC). Students do not have to demonstrate financial need. However, the amount of federal aid for which you are eligible must be deducted from the cost of attendance in determining the CAL loan amount.

To be eligible, you must:

  • Be a Texas resident.
  • Be enrolled at least half-time in:
    • A course of study leading to an associate’s, bachelor’s, graduate, or higher degree; or
    • An approved alternative educator certification program.
  • Meet the satisfactory academic progress requirements as determined by UT Dallas.
  • Receive a favorable credit evaluation or provide a cosigner who has good credit standing and meets other requirements.

Annual Loan Amounts

    Students may borrow no less than $100 and up to the cost of attendance minus any other financial aid.

    Note: The amount of any federal Perkins loan and federal Direct Stafford loan (inclusive of subsidized and unsubsidized) that a student borrower is eligible to receive must be considered “other financial aid” even if the student chooses to not borrow funds from these programs.

The CAL has a fixed annual interest rate of 6.60%. Interest is not capitalized.