The purpose of the Texas B-On-Time Loan program is to provide
    eligible Texas students zero interest loans to attend colleges and
    universities in Texas.  If the student meets specific goals, the entire
    loan amount can be forgiven upon graduation.  Forgiven loans must be
    reported to the IRS as taxable income.  Beginning with the 2015-2016
    academic year, only renewal awards will be available.

    Your institution's financial aid office will determine your renewal
    eligibility.  If this loan is offered, you will be instructed to
    complete an application and promissory note online at