Introduction
As of July 4, 2025, students and parents exploring student loan options have access to some of the most competitive rates seen recently at credit unions nationwide. For those seeking undergraduate loans, programs like the Texas Extra Credit Education Loan from Eecu stand out with impressively low fixed rates starting as low as 2.74% APR—a fantastic option for budget-conscious borrowers. Graduate students and professional degree seekers will find solid choices at multiple credit unions such as Citadel, Knoxville Tva Employees, and Pennsylvania State Employees, where fixed graduate school loans begin around 3.19% APR. Variable rate loans tend to start slightly higher but offer flexibility for some borrowers. Parents looking to support their children’s education should note the range of Parent Credit-Based Loans at Ascent Funding Credit Union, offering fixed rates from 5.10% APR upwards. Importantly, weekly rate changes have been minimal across the board, keeping this a stable moment to shop confidently for financing your education journey.
New - Student Loans
| Lender | Product | 2025-07-04 Current | 2025-06-27 7 Days Ago | 2025-06-19 15 Days Ago | 2025-06-04 30 Days Ago | 2025-05-20 45 Days Ago | 2025-05-05 60 Days Ago |
|---|---|---|---|---|---|---|---|
| EecuLOWEST | Texas Extra Credit Education Loan (fixed) | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Cosigned Credit-Based Loan (fixed) | 3.09 - 14.41%▼ 30 bps | 3.39 - 14.46% | N/A | N/A | N/A | N/A |
| Citadel | Medical School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Citadel | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Citadel | MBA Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Citadel | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Citadel | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Citadel | Graduate School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Citadel | Smart Option Student Loan (fixed) | 3.19 - 16.99% | 3.19 - 16.99% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Medical School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | MBA Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Graduate School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Smart Option Student Loan® (fixed) | 3.19 - 16.99% | 3.19 - 16.99% | N/A | N/A | N/A | N/A |
| Pennsylvania State Employees | Medical School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Pennsylvania State Employees | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Pennsylvania State Employees | MBA Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Pennsylvania State Employees | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Pennsylvania State Employees | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Pennsylvania State Employees | Graduate School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Pennsylvania State Employees | Undergraduate students (fixed) | 3.19 - 16.99% | 3.19 - 16.99% | N/A | N/A | N/A | N/A |
| Security Service | Medical School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Security Service | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Security Service | MBA Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Security Service | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Security Service | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Security Service | Graduate School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Security Service | Smart Option Student Loan® (fixed) | 3.19 - 16.99% | 3.19 - 16.99% | N/A | N/A | N/A | N/A |
| Global | Medical School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Global | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Global | MBA Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Global | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Global | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Global | Smart Option Student Loan® for Undergraduate students (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| Global | Smart Option Student Loan® for Career training students (fixed) | 3.19 - 17.18% | N/A | N/A | N/A | N/A | N/A |
| Lake Michigan | Medical School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Lake Michigan | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Lake Michigan | MBA Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Lake Michigan | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Lake Michigan | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Lake Michigan | Smart Option Student Loan® for Undergraduate students (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| Lake Michigan | Smart Option Student Loan® for Career training students (fixed) | 3.19 - 17.18% | N/A | N/A | N/A | N/A | N/A |
| Randolph Brooks | Smart Option Student Loan® for Undergraduate students (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| Randolph Brooks | Smart Option Student Loan® for Career training students (fixed) | 3.19 - 17.18% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Medical School Loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Dental School Loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | MBA Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Law School Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Graduate School Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Undergraduate Student Loans (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Career Training Student Loans (fixed) | 3.19 - 17.18% | N/A | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Cosigned Credit-Based Loan (variable) | 4.31 - 14.72%▼ 39 bps | 4.70 - 14.26% | N/A | N/A | N/A | N/A |
| Citadel | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| Citadel | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Citadel | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Citadel | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Citadel | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Citadel | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Citadel | Smart Option Student Loan (variable) | 4.37 - 16.49% | 4.37 - 16.49% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Smart Option Student Loan® (variable) | 4.37 - 16.49% | 4.37 - 16.49% | N/A | N/A | N/A | N/A |
| Pennsylvania State Employees | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| Pennsylvania State Employees | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Pennsylvania State Employees | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Pennsylvania State Employees | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Pennsylvania State Employees | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Pennsylvania State Employees | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Pennsylvania State Employees | Undergraduate students (variable) | 4.37 - 16.49% | 4.37 - 16.49% | N/A | N/A | N/A | N/A |
| Security Service | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| Security Service | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Security Service | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Security Service | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Security Service | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Security Service | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Security Service | Smart Option Student Loan® (variable) | 4.37 - 16.49% | 4.37 - 16.49% | N/A | N/A | N/A | N/A |
| Global | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| Global | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Global | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Global | MBA Loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Global | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Global | Smart Option Student Loan® for Undergraduate students (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| Global | Smart Option Student Loan® for Career training students (variable) | 4.37 - 16.73% | N/A | N/A | N/A | N/A | N/A |
| Lake Michigan | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| Lake Michigan | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Lake Michigan | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Lake Michigan | MBA Loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Lake Michigan | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Lake Michigan | Smart Option Student Loan® for Undergraduate students (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| Lake Michigan | Smart Option Student Loan® for Career training students (variable) | 4.37 - 16.73% | N/A | N/A | N/A | N/A | N/A |
| Randolph Brooks | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| Randolph Brooks | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Randolph Brooks | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Randolph Brooks | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Randolph Brooks | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Randolph Brooks | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Randolph Brooks | Smart Option Student Loan® for Undergraduate students (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| Randolph Brooks | Smart Option Student Loan® for Career training students (variable) | 4.37 - 16.73% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Medical School Loan (variable) | 4.37 - 13.96% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Dental School Loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Law School Loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | MBA Loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Graduate School Loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Undergraduate Student Loans (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Career Training Student Loans (variable) | 4.37 - 16.73% | N/A | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Parent Credit-Based Loan (fixed) | 5.10 - 15.61%▼ 25 bps | 5.35 - 15.86% | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Parent Credit-Based Loan (variable) | 5.51 - 15.22%▼ 4 bps | 5.55 - 15.26% | N/A | N/A | N/A | N/A |
| Citadel | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Citadel | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Security Service | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Security Service | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Global | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Global | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Lake Michigan | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Lake Michigan | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Washington State Employees | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Citadel | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Security Service | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Security Service | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Global | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Global | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Lake Michigan | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Lake Michigan | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Randolph Brooks | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Randolph Brooks | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Washington State Employees | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Bar Study Loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Bar Study Loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A | N/A |
| Security Service | Bar Study Loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A | N/A |
| Global | Bar Study Loan (fixed) | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A |
| Lake Michigan | Bar Study Loan (fixed) | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A |
| Washington State Employees | Bar Study Loan (fixed) | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A | N/A |
| Knoxville Tva Employees | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A | N/A |
| Security Service | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A | N/A |
| Global | Bar Study Loan (variable) | 7.13 - 16.74% | N/A | N/A | N/A | N/A | N/A |
| Lake Michigan | Bar Study Loan (variable) | 7.13 - 16.74% | N/A | N/A | N/A | N/A | N/A |
| Randolph Brooks | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A | N/A |
| Washington State Employees | Bar Study Loan (variable) | 7.13 - 16.74% | N/A | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Non-Cosigned Credit-Based Loan (variable) | 8.21 - 13.57%▼ 4 bps | 8.25 - 13.61% | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Non-Cosigned Credit-Based Loan (fixed) | 8.29 - 13.76%▼ 20 bps | 8.49 - 14.01% | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Non-Cosigned Outcomes-Based Loan (variable) | 12.87 - 14.81%▼ 3 bps | 12.90 - 14.85% | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Non-Cosigned Outcomes-Based Loan (fixed) | 12.98 - 14.93%▼ 18 bps | 13.16 - 15.13% | N/A | N/A | N/A | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
Eecu
As of July 4, 2025, the Eecu Texas Extra Credit Education Loan (fixed) maintains a steady APR range of 2.74% to 6.89%, showing no change over the past 7 days. This consistent low starting rate makes it one of the most competitive new student loan options available today. Students and parents seeking affordable education financing should consider this fixed-rate loan for predictable payments and potential savings. If your current student loan APR exceeds 7%, exploring this product could reduce your overall borrowing costs while supporting your educational goals.
Ascent Funding Credit Union
As of July 4, 2025, Ascent Funding Credit Union’s new student loan rates show slight improvements. The Cosigned Credit-Based Loan (fixed) dropped to 3.09% - 14.41%, down 30 bps from last week, offering the most competitive fixed rates for cosigned borrowers. Variable cosigned loans also eased slightly to 4.31% - 14.72%. Parent loans remain stable with fixed rates at 5.10% - 15.61% and variable at 5.51% - 15.22%. Non-cosigned loans hold steady above 8%, suggesting borrowers with rates over 8% should explore refinancing options. For outcomes-based loans, fixed rates slightly decreased to 12.98% - 14.93%, providing alternatives for non-cosigned borrowers seeking flexibility.
Citadel
As of July 4, 2025, Citadel’s new student loan rates remain stable with no changes over the past 7 to 30 days. Fixed loans for Medical, Dental, MBA, Law, and Graduate Health Professions start as low as 3.19% APR, offering some of the most competitive options for borrowers seeking predictable payments. The Smart Option Student Loan (fixed) ranges up to 16.99% APR, while variable rates begin at 4.37% APR, slightly higher but potentially beneficial if rates drop. For those with existing loans above 8% APR, exploring these fixed-rate products could provide significant savings and payment certainty.
Knoxville Tva Employees
As of July 4, 2025, Knoxville Tva Employees student loan rates remain stable with no changes over the past 30 days. Fixed-rate Medical, Dental, MBA, Law, and Graduate School Loans hold steady between 3.19% - 14.99% APR, offering competitive options for specialized degrees. The Smart Option Student Loan® (fixed) starts at 3.19% APR, ideal for borrowers seeking predictability. Variable rates range from 4.37% to 16.49% APR, with the Smart Option Student Loan® (variable) topping at 16.49% APR—higher but flexible. For those with rates above 8%, exploring these fixed products could provide cost savings and rate security.
Pennsylvania State Employees
As of July 4, 2025, Pennsylvania State Employees credit union’s new student loan rates remain steady across all products with fixed APRs ranging from 3.19% to 16.99% and variable APRs between 4.37% and 16.49%, unchanged over the past 7 to 30 days. The most competitive options are the Medical, Dental, MBA, Law, and Graduate Health Professions fixed loans at a low 3.19% APR floor. For borrowers seeking flexibility, variable rates start slightly higher but stay stable. If your current loan exceeds 8%, exploring these fixed-rate loans could provide significant savings and predictability over time.
Security Service
As of July 4, 2025, Security Service’s new student loan rates remain stable with no changes over the past 7 to 30 days. Fixed APRs start as low as 3.19% for programs like Medical School Loan, Dental School Loan, MBA Loan, and Law School Loan, offering highly competitive options for borrowers seeking predictable payments. Variable rates begin at 4.37%, with the Smart Option Student Loan® variable rate peaking at 16.49%. For those pursuing residency or bar study loans, fixed rates range from 6.40% to 15.26%, while variable rates are slightly higher. Borrowers with rates above 8% should explore Security Service’s fixed loans starting at 3.19% to potentially lower costs.
Global
As of July 4, 2025, Global’s new student loan rates remain steady with no recent changes in APRs across all products compared to 7 days ago. The most competitive options are fixed-rate loans for Medical School, Dental School, MBA, and Health Professions Graduate programs, starting as low as 3.19% APR. Variable-rate loans begin at 4.37% APR, slightly higher but still attractive. For those pursuing career training or undergraduate studies, the Smart Option Student Loan® offers rates from 3.19% to 17.18% APR (fixed). Borrowers with current rates above 8% should consider these affordable alternatives to reduce costs.
Lake Michigan
Lake Michigan’s new student loan rates remain steady this week, with no changes in fixed or variable APRs across all products. The most competitive options start at 3.19% APR for fixed loans like the Medical, Dental, MBA, and Law School Loans. Variable rates begin at 4.37% APR for similar programs. Notably, the Smart Option Student Loan® for undergraduates (fixed) offers rates from 3.19% to 16.99%, providing flexible options for career training students as well. Borrowers with existing loans above 8% APR should consider these affordable new rates to reduce borrowing costs effectively.
Randolph Brooks
As of July 4, 2025, Randolph Brooks’ new student loan rates remain steady with no changes over the past 7 days. The Smart Option Student Loan® for Undergraduate students (fixed) offers a competitive APR range of 3.19% to 16.99%, making it an attractive choice for undergraduates seeking fixed rates. Variable rates across graduate and professional loans hold between 4.37% and 13.98%, consistent with last week’s figures. For borrowers with current rates above 8%, exploring these options could provide better terms. Medical Residency and Bar Study variable loans start higher, from 7.00% and 7.13%, respectively, so careful comparison is advised before committing.
Washington State Employees
As of July 4, 2025, all Washington State Employees new student loan rates are freshly set with no prior data for comparison. Fixed loans for programs like Medical School, Dental School, MBA, and Graduate Health Professions start as low as 3.19% APR, while Undergraduate fixed loans range from 3.19% to 16.99% APR. Variable rates begin at 4.37% APR across most programs. Notably, Career Training loans have the highest fixed rate ceiling at 17.18%. For borrowers seeking affordability and stability, fixed-rate loans under 4% offer strong value today. Those with higher current rates may consider these competitive options when planning education financing.
LendMesh
Not all student loans are created equal. LendMesh helps you avoid sky-high rates by comparing trusted lenders side by side. Whether it’s undergraduate or graduate school, explore clear and affordable funding options at https://www.lendmesh.com/loans/student-loans .
Conclusion
With interest rates holding steady this week, now is an excellent time for students and parents to consider locking in a favorable rate—especially if you qualify for the low fixed APRs near 2.74% to 3.19%. Even small differences in APR can lead to significant savings over the life of a loan, so don’t overlook these opportunities when planning your budget. If you’re weighing variable versus fixed options, think about your risk tolerance and how long you expect to carry the loan; fixed rates provide predictability while variable rates might offer initial savings with some fluctuation risk. For parents co-signing or applying for parent-specific loans, paying attention to subtle shifts in APRs can help avoid surprises down the line. As you explore these credit union offerings, be sure to gather all required documents early and reach out soon—locking in today’s best rates could make a meaningful difference in your financial future.