Introduction
As of July 11, 2025, students and parents seeking student loans have some attractive options to explore. For those looking for the lowest fixed rates, Eecu’s Texas Extra Credit Education Loan stands out with rates starting as low as 2.74%, offering a steady and predictable repayment path. Graduate students aiming for professional degrees can find competitive fixed rates beginning at 3.19% through credit unions like Affinity, Bellco, and Citadel on their Medical, Dental, MBA, and Law School loans. Variable-rate programs generally start around 4.37%, available across multiple credit unions including Safe and Vantage Credit Union, providing flexibility for borrowers comfortable with potential rate fluctuations. Parents and cosigners might consider Safe’s private student loans with cosigner options that offer rates from 3.09% fixed up to competitive variable ranges. Overall, today’s data highlights a broad spectrum of choices tailored to undergraduate and graduate needs with reliable pricing that remains steady compared to recent weeks.
New - Student Loans
| Lender | Product | 2025-07-11 Current | 2025-07-04 7 Days Ago | 2025-06-26 15 Days Ago | 2025-06-11 30 Days Ago | 2025-05-27 45 Days Ago | 2025-05-12 60 Days Ago |
|---|---|---|---|---|---|---|---|
| EecuLOWEST | Texas Extra Credit Education Loan (fixed) | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A | N/A |
| Ascent Funding Credit Union | Credit-Based Loan (fixed) | 3.09 - 14.41% | N/A | 8.49 - 14.01% | N/A | N/A | N/A |
| Safe | Private Student Loans with Cosigner (fixed) | 3.09 - 15.61% | 3.09 - 15.61% | N/A | N/A | N/A | N/A |
| Affinity | Medical School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Affinity | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Affinity | MBA Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Affinity | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Affinity | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Affinity | Graduate School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Affinity | Smart Option Student Loan (fixed) | 3.19 - 16.99% | 3.19 - 16.99% | N/A | N/A | N/A | N/A |
| Bellco | Medical School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Bellco | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Bellco | MBA Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Bellco | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Bellco | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Bellco | Graduate School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Bellco | Smart Option Student Loan (fixed) | 3.19 - 16.99% | 3.19 - 16.99% | N/A | N/A | N/A | N/A |
| Citadel | Medical School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A |
| Citadel | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A |
| Citadel | MBA Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A |
| Citadel | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A |
| Citadel | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A |
| Citadel | Graduate School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A |
| Citadel | Smart Option Student Loan (fixed) | 3.19 - 16.99% | 3.19 - 16.99% | 3.19 - 16.99% | N/A | N/A | N/A |
| Srp | Medical School Loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Srp | Dental School Loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Srp | MBA Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Srp | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Srp | Law School Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Srp | Graduate School Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Srp | Smart Option Student Loan (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| Technology | Medical School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Technology | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Technology | MBA Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Technology | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Technology | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Technology | Graduate School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Technology | Smart Option Student Loan (fixed) | 3.19 - 16.99% | 3.19 - 16.99% | N/A | N/A | N/A | N/A |
| Vantage Credit Union | Medical School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Vantage Credit Union | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Vantage Credit Union | MBA Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Vantage Credit Union | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Vantage Credit Union | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Vantage Credit Union | Graduate School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Vantage Credit Union | Smart Option Student Loan (fixed) | 3.19 - 16.99% | 3.19 - 16.99% | N/A | 3.45 - 16.49% | 3.45 - 15.99% | 3.49 - 15.99% |
| 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 |
| Ascent Funding Credit Union | Credit-Based Loan (variable) | 4.31 - 14.72% | N/A | 8.25 - 13.61% | N/A | N/A | N/A |
| Safe | Private Student Loans with Cosigner (variable) | 4.31 - 15.22% | 4.31 - 15.22% | N/A | N/A | N/A | N/A |
| Safe | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| Safe | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Safe | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Safe | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Safe | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Safe | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Safe | Smart Option Student Loan for Undergraduate Students (variable) | 4.37 - 16.49% | 4.37 - 16.49% | N/A | N/A | N/A | N/A |
| Safe | Smart Option Student Loan for Career Training Students (variable) | 4.37 - 16.73% | 4.37 - 16.73% | N/A | N/A | N/A | N/A |
| Affinity | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| Affinity | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Affinity | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Affinity | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Affinity | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Affinity | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Affinity | Smart Option Student Loan (variable) | 4.37 - 16.49% | 4.37 - 16.49% | N/A | N/A | N/A | N/A |
| Bellco | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| Bellco | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Bellco | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Bellco | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Bellco | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Bellco | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Bellco | Smart Option Student Loan (variable) | 4.37 - 16.49% | 4.37 - 16.49% | N/A | N/A | N/A | N/A |
| Citadel | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A |
| Citadel | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| Citadel | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| Citadel | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| Citadel | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| Citadel | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| Citadel | Smart Option Student Loan (variable) | 4.37 - 16.49% | 4.37 - 16.49% | 4.37 - 16.49% | N/A | N/A | N/A |
| Srp | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| Srp | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Srp | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Srp | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Srp | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Srp | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Srp | Smart Option Student Loan (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| Technology | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| Technology | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Technology | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Technology | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Technology | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Technology | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Technology | Smart Option Student Loan (variable) | 4.37 - 16.49% | 4.37 - 16.49% | N/A | N/A | N/A | N/A |
| Vantage Credit Union | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | 4.37 - 13.96% | 4.37 - 13.96% | 4.37 - 13.96% | 4.54 - 13.96% |
| Vantage Credit Union | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | 4.54 - 13.97% |
| Vantage Credit Union | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | 4.54 - 13.97% |
| Vantage Credit Union | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | 4.54 - 13.98% |
| Vantage Credit Union | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | 4.54 - 13.98% |
| Vantage Credit Union | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | 4.54 - 13.98% |
| Vantage Credit Union | Smart Option Student Loan (variable) | 4.37 - 16.49% | 4.37 - 16.49% | N/A | 4.37 - 15.99% | 4.37 - 14.71% | 4.54 - 14.71% |
| Washington State Employees | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A |
| Washington State Employees | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| Washington State Employees | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| Washington State Employees | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| Washington State Employees | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| Washington State Employees | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | 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 |
| Ascent Funding Credit Union | Credit-Based Loan (fixed) | 5.10 - 15.61% | N/A | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Credit-Based Loan (variable) | 5.51 - 15.22% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Affinity | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Bellco | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Bellco | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Citadel | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A |
| Citadel | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A |
| Srp | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Srp | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Technology | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Technology | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Vantage Credit Union | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Vantage Credit Union | 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 |
| Safe | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Safe | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Affinity | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Affinity | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Bellco | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Bellco | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Citadel | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A |
| Citadel | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A |
| Srp | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Srp | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Technology | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Technology | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Vantage Credit Union | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% |
| Vantage Credit Union | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% |
| Washington State Employees | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A |
| Washington State Employees | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A |
| Affinity | Bar Study Loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A | N/A |
| Bellco | Bar Study Loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A | N/A |
| Citadel | Bar Study Loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A |
| Srp | Bar Study Loan (fixed) | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A |
| Technology | Bar Study Loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A | N/A |
| Vantage Credit Union | Bar Study Loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | 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 |
| Safe | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A | N/A |
| Affinity | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A | N/A |
| Bellco | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A | N/A |
| Citadel | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A |
| Srp | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A | N/A |
| Technology | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A | N/A |
| Vantage Credit Union | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | 7.13 - 16.74% | 7.13 - 16.74% | 7.13 - 16.74% | 7.13 - 16.74% |
| Washington State Employees | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A |
| Ascent Funding Credit Union | Credit-Based Loan (variable) | 8.21 - 13.57% | N/A | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Credit-Based Loan (fixed) | 8.29 - 13.76% | N/A | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Outcomes-Based Loan (variable) | 12.87 - 14.81% | N/A | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Outcomes-Based Loan (fixed) | 12.98 - 14.93% | N/A | 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 11, 2025, the Eecu Texas Extra Credit Education Loan (fixed) maintains a consistent APR range of 2.74% to 6.89% with no change over the past 30 days. This stable rate offers borrowers a competitive fixed option for education financing. Students and parents seeking predictable payments should consider this loan, especially if current rates exceed 7%. Staying with a steady APR can provide budgeting confidence during your studies or repayment period.
Ascent Funding Credit Union
As of July 11, 2025, Ascent Funding Credit Union offers a range of new student loans with fixed APRs starting as low as 3.09% on credit-based loans, marking a significant drop from 8.49% fifteen days ago. Variable credit-based loans now begin at 4.31%, also notably lower than mid-June rates. Outcomes-based loans hold steady with rates from 12.87% to 14.93%. Borrowers seeking the lowest rates should prioritize fixed credit-based loans starting near 3.09%, while those with rates above 8% might explore refinancing options to reduce costs effectively.
Safe
This week at Safe, student loan rates remain steady, with no changes over the past 7, 15, or 30 days. The most competitive option is the Private Student Loan with Cosigner (fixed) at a low 3.09% APR. Variable-rate loans for professional programs like Medical, Dental, Law, and MBA start around 4.37% APR, offering flexible financing for graduate studies. Borrowers should consider fixed-rate loans if seeking predictable payments and explore cosigned options to access lower rates. If your current rate exceeds 8%, reviewing new offers from Safe could provide significant savings.
Affinity
As of July 11, 2025, Affinity’s new student loan rates remain steady with no changes over the past 30 days across all products. The lowest fixed APRs start at 3.19% for programs like the Medical School Loan, Dental School Loan, MBA Loan, and Graduate School Loans. Variable rates begin at 4.37%, with the Smart Option Student Loan offering the highest max APRs (up to 16.99% fixed, 16.49% variable). For borrowers seeking affordability, fixed loans under 3.20% APR offer strong value, while those with higher current rates may benefit from exploring these competitive options now.
Bellco
As of July 11, 2025, Bellco’s new student loan rates remain steady with no changes in the past 7 days. The most competitive fixed APRs start at 3.19% for programs like Medical School, Dental School, and MBA Loans. Variable rates begin at 4.37%, offering flexibility for borrowers. Notably, the Smart Option Student Loan (fixed) caps at 16.99%, while its variable counterpart maxes at 16.49%. For those with existing loans above 8% APR, exploring Bellco’s fixed or variable options could provide savings and more predictable payments.
Citadel
As of July 11, 2025, Citadel’s new student loan rates remain steady across all products with no changes over the past 30 days. Fixed loans like the Medical and Dental School Loans offer competitive rates starting at 3.19% APR, while variable options begin slightly higher at 4.37% APR. The Smart Option Student Loan (fixed) has the widest range, up to 16.99% APR, suited for varied credit profiles. For borrowers seeking residency support, fixed Medical and Dental Residency Loans start at 6.40% APR. If your rate exceeds 8%, exploring these competitive new offerings could save money long term.
Srp
This week at Srp, fixed-rate student loans debut with competitive APRs starting as low as 3.19% across Medical, Dental, MBA, Graduate Health Professions, Law, and general Graduate programs. The Smart Option Student Loan (fixed) ranges up to 16.99%. Variable rates remain steady from last week, with top-tier options beginning at 4.37%, including Medical and Dental School Loans. Notably, Medical Residency and Relocation variable loans hold firm at 7.00%-12.45%, matching last week's levels. For borrowers seeking affordability, fixed-rate loans under 3.20% offer strong value, while those with rates above 8% should explore Srp’s offerings for better terms and savings.
Technology
As of July 11, 2025, Technology Credit Union’s new student loan rates remain steady with no changes over the past 30 days. Fixed APRs start as low as 3.19% for programs like Medical School, Dental School, and MBA Loans, making these some of the most competitive options available. Variable rates begin at 4.37%, with the Smart Option Student Loan topping out at 16.99% fixed and 16.49% variable. For residency and relocation loans, fixed rates range from 6.40% to 11.89%, while variable rates start at 7.00%. Borrowers should consider locking in fixed rates under 4% if seeking stability and compare options if current rates exceed 8%.
Vantage Credit Union
This week at Vantage Credit Union, student loan rates remain steady across all new products with no changes over the past 7, 15, or 30 days. The most competitive fixed-rate options include the Medical and Dental School Loans at 3.19% APR, while variable rates start slightly higher at 4.37% APR. Notably, the Smart Option Student Loan fixed rate holds at 3.19% to 16.99% APR, providing flexible choices for diverse needs. Borrowers with current rates above 8% should consider these stable, lower-rate loans to reduce interest costs and better manage repayment.
Washington State Employees
As of July 11, 2025, Washington State Employees credit union offers competitive fixed medical, dental, MBA, law, and graduate loans starting at 3.19% APR, with undergraduate fixed loans ranging up to 16.99% APR. Variable rates remain steady, starting at 4.37% APR for professional programs and up to 16.49% for undergraduates. Notably, residency relocation loans hold mid-range fixed rates from 6.40% to 11.89% APR. Bar study loans show higher variable rates up to 16.74% APR, unchanged over 7 days. For borrowers with rates above 8%, exploring these new fixed options may provide significant savings and predictability in repayments.
LendMesh
Student loans shouldn’t leave you with more questions than answers. That’s why LendMesh makes it simple to compare offers, understand repayment terms, and borrow smarter. Whether you're starting school or paying off past loans, visit https://www.lendmesh.com/loans/student-loans and make your next step an informed one.
Conclusion
With rates holding mostly steady over the past month, now is an excellent time for borrowers who prefer certainty to consider locking in fixed-rate loans—especially those at credit unions offering sub-3.5% APRs for undergraduate or professional programs. Even small shifts in APR can translate into significant savings over time, so staying vigilant about weekly updates helps families make informed decisions. For variable-rate borrowers comfortable with market changes, it’s wise to weigh current offers against future interest risk carefully. Parents co-signing or financing education should explore cosigner loan options that maintain competitive rates while potentially boosting approval chances. To maximize your financing strategy, take advantage of prequalification tools, review eligibility requirements closely, and contact your preferred credit union soon—securing today’s best rates could make a meaningful difference in your educational journey.