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Texas B-On-Time Loan GPA Calculator

Find Out What Grades You Need to Make to Remain Eligible and Qualify for Forgiveness

The Texas B-On-Time Loan Program offers zero-interest loans to qualifying college students from Texas high schools. The loan is a good deal, but it's important to maintain your grade point average (GPA) and your progress to a degree, so you can to qualify for forgiveness after you graduate. Among other requirements, a student must:

  • Maintain a 2.5 GPA in order to qualify for the loan in subsequent years
  • Finish a certificate or degree on time in order to qualify for forgiveness
  • Graduate with a 3.0 GPA in order to qualify for forgiveness

If you are a BOT loan borrower, this calculator is intended to help you determine how many course hours you should take per semester, and the GPA you may need in order to qualify for renewal or apply for loan forgiveness after you graduate.

Texas B-On-Time Calculator*

For your current program, how many total years are required to graduate?

For your current program, how many total credit hours are required to graduate?

How many semesters have you completed in your current program (not including summers*)? Don't include the semester you are currently attending.

How many credit hours have you earned to date? Don't include classes you are currently attending, dual credit hours, or hours earned by exam.

What is your current cumulative GPA?


This calculator is based on the B-On-Time loan eligibility and forgiveness requirements outlined by the Texas Higher Education Coordinating Board. Learn more about The Texas B-On-Time-Loan-Program.

This calculator considers an academic year to be a two-semester-per-calendar-year school program, and does not break out summer terms separately. However, all credit hours attempted, regardless of the term in which they are attempted (fall, spring or summer), are included when calculating your percentage of credit hours completed, total-credit-hours-earned and GPA for the purpose of BOT renewal and forgiveness eligibility.

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