Student Loans in Spencer, NY

Looking for cheap student loan rates in Spencer, NY? Compare personalized offers that fit your budget and help make college more affordable. Local lenders understand your needs and provide support tailored to your goals.

Take control of your education financing with options designed for Spencer students. Explore flexible repayment plans and low rates that ease the stress of paying for school, so you can focus on what matters most—your future.

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Filters

Lender
APR
Term
Link
Info
navyfederal
4.2 - 4.52 %
dcu
4.75 - 10.5 %
15 Yrs
mycfcu
4.75 - 11.5 %
dupaco
5 - 11.43 %
cafcu
5.15 - 9.4 %
greylock
5.5 - 10 %
northcountry
5.99 - 9.99 %
affinityplus
6.74 - 7.74 %
15 Yrs
bethpagefcu
6.99 - 8.18 %
firsttechfed
8.6 - 9.25 %
15 Yrs

Today’s Student Loan Rates & Analysis - Updated on 2026-AUG-28

Credit Union Loan Rates - Trends & Analysis:

Navy Federal Credit Union's Fixed APR student loans have a rate of 2.67% today, down from 2.92% seven days ago. The Variable APR loans remain unchanged at 6.14% over the past week. For refinancing, the Fixed APR is steady at 4.2% , and the Variable APR also holds at 4.52% , both unchanged from seven days ago. Digital's Variable Rate Student Loans with APRs from 6.25% to 12.5% , unchanged from 7 and 30 days ago. Fixed Rate Student Refinance Loans have rates between 4.75% and 10.5% , also steady compared to the past week and month.

Cfcu Community's Student Loan Refinance fixed rates range from 4.75% to 9.75% APR, unchanged from 7 and 30 days ago. The variable rates for Student Loan Refinance are between 5.5% and 11.5% APR, also unchanged from a week earlier. Parent Loan Refinance fixed and variable rates match these ranges and remain steady compared to 7 days ago. Dupaco Community's variable rates from 7.5% to 9.75% and fixed rates ranging from 7.77% to 10.02% , both unchanged from 7 and 30 days ago. Their student loan refinance fixed rates start at 5% and go up to 11.43% , while the refinance variable rates range from 7% to 8.5% , with no change over the past week or month.

Corporate America Family's Partnership Advance Education Loan has a fixed APR range of 2.45% to 8.7% , unchanged from 7 and 30 days ago. The Student Loan Refinance fixed rate ranges from 5.15% to 9.4% , unchanged from 60 days ago. Greylock's refinance student loans include fixed rates from 5.5% to 8.75% and variable rates from 6% to 10% . Both fixed and variable rates are unchanged from 7 and 30 days ago. North Country's Variable Rates from 5.99% to 9.99% and Fixed Rates from 6.14% to 8.64% , both unchanged from 7 and 60 days ago. Their Fixed Rates for Refinance loans range from 5.99% to 9.99% , also steady compared to 7, 30, and 60 days ago.

Affinity Plus's an Undergraduate Line of Credit with fixed and variable rates at 6.49% APR, unchanged from both 7 and 30 days ago. Their Graduate Line of Credit has fixed and variable rates at 7.99% and 8.49% APR, respectively, also steady over the past month. The Student Loan Refinance program features fixed and variable rates ranging from 6.74% to 7.74% APR, with no change in the last 7 or 30 days. Bethpage's Student Loan Refinance fixed rates range from 6.99% to 8.18% APR today, unchanged from both 7 and 30 days ago. These rates apply to their refinance program.

First Technology's Fixed–Rate Loan for refinancing has a 9.25% APR today. This rate is up from the 8.6% –9.25% range seen 7 and 30 days ago.

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