Introduction
As of July 16, 2025, students, parents, and graduates exploring refinancing options have some standout choices to consider. If you’re seeking the lowest fixed rates, Lake Trust Credit Union offers an attractive Student Loan Refinance program starting as low as 3.90% APR, perfect for those looking to refinance with predictable monthly payments. For nursing graduates, Lake Trust’s Nursing Loan Refinance also starts at a competitive 3.90%, making it one of the best specialized options available right now. Parents and borrowers looking for solid fixed-rate programs can also explore Navy Federal Credit Union’s consistent 4.85% APR on both student and parent refinance loans. Variable rates remain a bit higher overall, with Georgia S Own’s variable refinance rates starting at 7.75%, so fixed-rate plans might be more appealing in today’s market. Whether you’re refinancing your own student loans or helping your family manage education debt, today’s data highlights strong opportunities to secure competitive rates that haven’t shifted in the past week—helping you plan confidently.
Refinance - Student Loans
Credit Union
Product
2025-07-16
(Current Day)
(Current Day)
2025-07-09
(7 Days Ago)
(7 Days Ago)
2025-07-01
(15 Days Ago)
(15 Days Ago)
2025-06-01
(45 Days Ago)
(45 Days Ago)
2025-05-17
(60 Days Ago)
(60 Days Ago)
Lake Trust
Student Loan Refinance (fixed) [Refinance]
3.90 - 9.75
3.90 - 9.75
Lake Trust
Nursing Loan Refinance (fixed) [Refinance]
3.90 - 11.50
3.90 - 11.50
State Employees CU Of Maryland Inc
Student Loan Refinance (fixed) [Refinance]
7.08 - 9.50
7.08 - 9.50
7.08 - 9.50
Georgia S Own
Fixed Rates (fixed) [Refinance]
4.50 - 7.00
4.50 - 7.00
Georgia S Own
Variable Rates (variable) [Refinance]
7.75 - 9.75
7.75 - 9.75
Soarion Credit Union
Student Loan Refinance (fixed) [Refinance]
4.60
4.60
5.10▲ 50 bps
5.10▲ 50 bps
Soarion Credit Union
Student Loan Refinance (variable) [Refinance]
5.75
5.75
6.24▲ 49 bps
6.24▲ 49 bps
Baxter
Medical Degree Refi (fixed) [Refinance]
4.80
4.80
4.80
Baxter
Student Loan Refinance (variable) [Refinance]
4.89
4.89
4.89
Baxter
Student Loan Refinance (fixed) [Refinance]
6.30
6.30
6.30
Navy Federal Credit Union
Student Refinance Loans (fixed) [Refinance]
4.85
4.85
Navy Federal Credit Union
Parent Refinance Loans (fixed) [Refinance]
4.85
4.85
Navy Federal Credit Union
Student Loan Refinancing (fixed) [Refinance]
4.85
Navy Federal Credit Union
Student Refinance Loans (variable) [Refinance]
5.22
5.22
Navy Federal Credit Union
Parent Refinance Loans (variable) [Refinance]
5.22
5.22
Navy Federal Credit Union
Student Loan Refinancing (variable) [Refinance]
5.22
Metro
Student Loan Refi (fixed) [Refinance]
4.99 - 8.99
4.99 - 8.99
Metro
Parent Loan Refi (fixed) [Refinance]
4.99 - 8.99
4.99 - 8.99
Gesa
Fixed Rates (fixed) [Refinance]
5.50 - 12.00
5.50 - 12.00
Gesa
Variable Rates (variable) [Refinance]
6.75 - 12.75
6.75 - 12.75
United
Fixed Rates (fixed) [Refinance]
5.53 - 10.79
5.53 - 10.79
United
Variable Rates (variable) [Refinance]
6.50 - 13.00
6.50 - 13.00
Texas Dow Employees
Student Loan Refinance (fixed) [Refinance]
5.74 - 7.24
5.74 - 7.24
5.74 - 7.24
Lake Trust
As of July 16, 2025, Lake Trust’s Student Loan Refinance rates remain steady at 3.90% to 9.75% APR, unchanged over the past week. Similarly, the Nursing Loan Refinance offers competitive fixed rates from 3.90% to 11.50% APR, also stable. With no recent rate increases, these refinance options provide reliable opportunities for borrowers seeking lower payments. If your current loan rate exceeds 8%, refinancing with Lake Trust could reduce your interest costs and simplify repayment. These steady, low starting rates make Lake Trust a strong choice for refinancing student loans today.
State Employees CU Of Maryland Inc
As of July 16, 2025, State Employees CU Of Maryland Inc’s Student Loan Refinance (fixed) rates remain steady at 7.08% to 9.50% APR, unchanged over the past 30 days. This stable range offers borrowers consistent options without rate volatility. If your current student loan rate exceeds 8%, refinancing here could lower your payments and save interest over time. The credit union’s competitive fixed refinance rates provide reliable opportunities for both students and parents seeking affordable education financing. Staying informed on these steady rates helps you plan smarter repayment strategies with confidence.
Georgia S Own
As of July 16, 2025, Georgia S Own’s refinance student loan rates remain steady with Fixed Rates at 4.50% - 7.00% and Variable Rates at 7.75% - 9.75%, showing no change over the past week. The fixed-rate refinance option offers the most competitive APRs, ideal for borrowers seeking predictable payments. If your current loan rate exceeds 8%, consider refinancing to potentially lower your interest and save over time. Staying informed on these stable rates can help you make confident decisions about managing education debt effectively.
Soarion Credit Union
As of July 16, 2025, Soarion Credit Union’s Student Loan Refinance rates remain steady with the fixed APR at 4.60% and the variable APR at 5.75%, unchanged over the past week. These competitive rates offer an excellent opportunity for borrowers seeking to lower their payments or simplify finances. If your current student loan rate is above 8%, refinancing with Soarion could reduce your interest costs significantly. Lock in a fixed rate for predictability or choose variable if you prefer potential savings with market fluctuations.
Baxter
This week, Baxter’s refinance student loan rates remain steady with no changes over 7, 15, or 30 days. The Medical Degree Refi fixed rate holds at a competitive 4.80% APR, making it an excellent option for medical professionals looking to lower payments. The Student Loan Refinance variable rate stays at 4.89% APR, while the fixed option remains higher at 6.30% APR. If your current loan rate exceeds 8%, consider refinancing now to lock in these lower rates and save on interest costs. Stability in rates provides confidence for borrowers evaluating their refinancing options today.
Navy Federal Credit Union
As of July 16, 2025, Navy Federal Credit Union maintains steady Student Refinance Loans and Parent Refinance Loans at competitive fixed rates of 4.85% APR and variable rates of 5.22% APR, unchanged over the past week. These stable, low rates make Navy Federal’s refinance options some of the most attractive in the market today. If your current student loan rate exceeds 8%, consider refinancing to these lower fixed or variable rates to save on interest costs. Both students and parents can benefit from these affordable refinancing opportunities with no recent rate increases.
Metro
As of July 16, 2025, Metro’s Student Loan Refinance and Parent Loan Refinance fixed rates remain steady at 4.99% to 8.99%, unchanged from a week ago. These competitive rates offer solid options for borrowers seeking to lower their payments or simplify finances. If your current loan rate exceeds 8%, consider refinancing with Metro to potentially reduce your interest costs. With stable pricing and no recent increases, now is a practical time for both students and parents to explore refinancing opportunities through Metro’s trusted programs.
Gesa
As of July 16, 2025, Gesa’s refinance student loan rates remain steady with Fixed Rates from 5.50% to 12.00% and Variable Rates between 6.75% and 12.75%, showing no change over the past week. The fixed-rate refinance option offers the lowest starting APR at 5.50%, making it a competitive choice for borrowers seeking predictable payments. If your current student loan rate exceeds 8%, consider refinancing with Gesa to potentially lower your interest costs while locking in stability or flexibility depending on your preference for fixed or variable terms.
United
As of July 16, 2025, United’s refinance student loan rates remain steady with Fixed Rates ranging from 5.53% to 10.79% and Variable Rates from 6.50% to 13.00%, unchanged over the past week. The lowest fixed APR at 5.53% offers the most competitive option for borrowers seeking predictable payments. If your current loan rate exceeds 8%, consider refinancing to potentially lower your interest costs. Staying informed on these stable rates can help you make smarter decisions about managing education debt with United’s flexible refinance programs.
Texas Dow Employees
As of July 16, 2025, the Texas Dow Employees Student Loan Refinance (fixed) rates remain steady at 5.74% to 7.24% APR, unchanged over the past 30 days. This consistent pricing offers a competitive option for borrowers seeking to lower their interest costs. If your current student loan rate exceeds 8%, refinancing here could significantly reduce your payments. With no recent rate increases, now is a stable time to explore refinancing opportunities through Texas Dow Employees Credit Union’s fixed-rate program.
LendMesh
From freshmen to PhDs, everyone deserves a loan they can trust. LendMesh lets you compare real-time student loan rates and terms from lenders that care about student success. Whether you're applying solo or with a cosigner, visit https://www.lendmesh.com/loans/student_loans and explore your options.
Conclusion
If you’re considering refinancing your student loans or a parent loan, now is a smart time to lock in those low fixed rates before any potential rate changes occur later this year. Even small APR differences—like the spread between Lake Trust’s 3.90% and other credit unions’ rates above 4.50%—can translate into meaningful savings over time. Students with specialized loans, such as nursing degrees, should pay close attention to dedicated programs offering tailored terms. Keep an eye on stability too; many credit unions have held steady over the past month, signaling a stable window to act. To maximize benefits, start by comparing your current loan terms with these competitive offers and reach out to your preferred credit union soon to explore eligibility and application steps. Staying proactive now can help reduce financial stress down the road and set you or your family up for smarter repayment success.