Introduction

As of July 2, 2025, students and parents exploring refinancing options have some great opportunities to consider. If you’re looking for the lowest fixed-rate refinance, Soarion Credit Union stands out with a competitive 4.60% APR—a fantastic choice for those seeking stability in their monthly payments. For medical graduates or professionals, Baxter offers a solid 4.80% fixed rate on its Medical Degree Refi program, ensuring tailored support for specialized education debt. Navy Federal Credit Union remains a strong contender with multiple fixed refinance loans for students and parents at 4.85% APR, plus variable options around 5.22% if you prefer some flexibility. Meanwhile, credit unions like Gesa and Communityamerica offer broader APR ranges but can be good fits depending on your credit profile and loan amount. Whether you’re a current student, a recent graduate, or a parent helping finance higher education, these rates give you valuable options to lower your payments or shorten your payoff timeline today.

Refinance - Student Loans

Credit Union
Product
2025-07-02
(Current Day)
2025-06-25
(7 Days Ago)
2025-06-17
(15 Days Ago)
2025-06-02
(30 Days Ago)
2025-05-18
(45 Days Ago)
State Employees CU Of Maryland Inc
Student Loan Refinance (fixed) [Refinance]
7.08 - 9.50
7.08 - 9.50
Soarion Credit Union
Fixed Student Loan (fixed) [Refinance]
4.60
Baxter
Medical Degree Refi (fixed) [Refinance]
4.80
4.80
Baxter
Student Loan Refinance (variable) [Refinance]
4.89
4.89
Baxter
Student Loan Refinance (fixed) [Refinance]
6.30
6.30
Navy Federal Credit Union
Student and Parent Refinance Loans (fixed) [Refinance]
4.85
Navy Federal Credit Union
Student Refinance Loans (fixed) [Refinance]
4.85
Navy Federal Credit Union
Parent Refinance Loans (fixed) [Refinance]
4.85
Navy Federal Credit Union
Student and Parent Refinance Loans (variable) [Refinance]
5.22
Navy Federal Credit Union
Student Refinance Loans (variable) [Refinance]
5.22
Navy Federal Credit Union
Parent Refinance Loans (variable) [Refinance]
5.22
Gesa
Fixed Rates (fixed) [Refinance]
5.50 - 12.00
Gesa
Variable Rates (variable) [Refinance]
6.75 - 12.75
Texas Dow Employees
Student Loan Refinance (fixed) [Refinance]
5.74 - 7.24
5.74 - 7.24
Service
Student Loan Refinance (fixed) [Refinance]
5.80 - 8.00
5.80 - 8.00
Service
Student Loan Refinance (variable) [Refinance]
7.24 - 9.59
7.24 - 9.59
University Of Wisconsin
Fixed Rate Refinance (fixed) [Refinance]
5.89 - 5.64
5.89▲ 25 bps
University Of Wisconsin
Variable Rate Refinance (variable) [Refinance]
6.00 - 5.75
6.07▲ 32 bps
Affinity Plus
Student Loan Refinance (fixed) [Refinance]
6.24 - 9.00
6.24 - 9.00
Communityamerica
Student Loan Refi (fixed) [Refinance]
6.24 - 13.25
Communityamerica
Parent Loan Refi (fixed) [Refinance]
6.24 - 13.25

State Employees CU Of Maryland Inc

As of July 2, 2025, State Employees CU Of Maryland Inc maintains steady Student Loan Refinance (fixed) rates between 7.08% and 9.50% APR, unchanged from the past week. While no rate shifts have occurred recently, these competitive fixed rates offer a valuable option for borrowers. If your current student loan rate exceeds 8%, refinancing here could lower your payments and save money over time. Staying informed on stable, low refinance rates is key to managing education debt effectively.

Soarion Credit Union

As of July 2, 2025, Soarion Credit Union’s Fixed Student Loan Refinance rate stands at a competitive 4.60% APR, with no prior data for comparison. This fixed rate offers stability for borrowers seeking to lower monthly payments or simplify multiple loans. If your current refinance rate exceeds 8%, exploring Soarion’s fixed option could yield significant savings. Keep an eye on this product as it provides a solid benchmark for affordable education financing through refinancing.

Baxter

As of July 2, 2025, Baxter’s refinance student loan rates remain steady with no changes over the past 7 days. The Medical Degree Refi (fixed) offers the most competitive rate at 4.80% APR, ideal for borrowers seeking fixed stability. The Student Loan Refinance (variable) stands at a low 4.89% APR, beneficial if you prefer potential savings with variable rates. Meanwhile, the Student Loan Refinance (fixed) is priced at 6.30% APR. If your current rate exceeds 8%, refinancing with Baxter could significantly lower your payments and save interest costs.

Navy Federal Credit Union

As of July 2, 2025, Navy Federal Credit Union offers competitive refinance student and parent loans with fixed rates at a low 4.85% APR across all fixed refinance options. Variable refinance loans are also available at 5.22% APR. Since these are new offerings, no prior rate trends exist yet. Borrowers with existing rates above 8% should consider refinancing now to secure these attractive fixed rates, potentially lowering monthly payments and total interest costs. Navy Federal’s consistent 4.85% fixed APR stands out as a strong choice for both students and parents seeking affordable education financing.

Gesa

As of July 2, 2025, Gesa offers Refinance student loans with competitive fixed and variable rates. The Fixed Rates Refinance range from 5.50% to 12.00% APR, while the Variable Rates Refinance span 6.75% to 12.75% APR. Since these are new listings, no recent rate changes are available yet. If your current student loan rate exceeds 8%, consider refinancing with Gesa’s fixed or variable options to potentially lower your payments and save on interest. Both products provide flexible terms tailored for students and parents seeking affordable education financing.

Texas Dow Employees

As of July 2, 2025, Texas Dow Employees Student Loan Refinance (fixed) rates remain steady at 5.74% - 7.24% APR, unchanged over the past week. This competitive fixed refinance rate offers an excellent opportunity for borrowers looking to lower their payments or simplify debt. If your current student loan rate exceeds 8%, refinancing now could save you money with these stable, affordable terms. Staying informed on these rates helps you make smart decisions about managing your education financing effectively.

Service

As of July 2, 2025, Service’s Student Loan Refinance fixed rates remain steady at 5.80% to 8.00%, showing no change over the past 7 days. Variable rates also hold firm between 7.24% and 9.59%. With no rate fluctuations recently, the fixed refinance option offers the most competitive starting APR at 5.80%. Consider refinancing if your current loan rate exceeds 8%, as locking in a fixed rate could provide greater payment stability and potential savings over time. Staying informed on these stable rates can help you make smarter borrowing decisions today.

University Of Wisconsin

As of July 2, 2025, University Of Wisconsin’s Fixed Rate Refinance offers competitive rates between 5.89% - 5.64%, holding steady over the past week. The Variable Rate Refinance saw a slight decrease from 6.07% to 6.00%, improving affordability for borrowers. Fixed rates remain the most attractive option for stability, while variable rates may benefit those expecting rate drops. Consider refinancing if your current rate exceeds 8%, as these options provide significant savings and flexible terms tailored to students and parents seeking education financing solutions.

Affinity Plus

As of July 2, 2025, Affinity Plus Student Loan Refinance (fixed) rates remain steady at 6.24% - 9.00% APR, unchanged from 7 days ago. This consistent pricing offers borrowers reliable options for lowering their interest costs. With rates starting as low as 6.24%, refinancing can be a smart move if your current loan rate exceeds 8%. Staying informed on these stable refinance rates helps students and parents plan effectively to reduce long-term education debt.

Communityamerica

As of July 2, 2025, Communityamerica’s Student Loan Refi (fixed) and Parent Loan Refi (fixed) products offer competitive rates ranging from 6.24% to 13.25% APR. With no prior data for comparison, rates appear stable at launch. For borrowers with current rates above 8%, refinancing with Communityamerica could lower monthly payments and save interest over time. Both options provide transparent, fixed-rate terms ideal for students and parents seeking predictable repayment plans. Keep an eye on these refinance loans as a practical solution to reduce education debt costs.

LendMesh

Don’t let confusing loan terms hold you back from getting your degree. LendMesh makes it easy to compare real rates and flexible student loan options—all in one place. Whether you’re a student or a parent, take control of college costs today at https://www.lendmesh.com/loans/student_loans .

Conclusion

With today’s student loan refinance rates holding steady, now is a smart time for borrowers to evaluate locking in a rate—especially if you value predictability with fixed APRs near historic lows. Even small changes in APR can affect your total interest costs over time, so act on favorable terms while they last. Parents considering refinancing should weigh fixed versus variable programs carefully based on their financial plans and risk tolerance. For students still in school or newly graduated, comparing offers from credit unions like Soarion, Baxter, and Navy Federal can unlock meaningful savings and simplify repayment. Remember to review eligibility requirements and check if there are any application deadlines or special incentives before applying. Taking these steps now puts you in control of your financial future with confidence and clarity—don’t miss out on the chance to secure a better deal this summer!