Introduction
As of July 23, 2025, students and parents exploring student loan refinancing options have some strong choices to consider. If you’re looking for the lowest fixed rates, Lake Trust Credit Union offers an attractive range starting as low as 3.90% for both their Student Loan Refinance and Nursing Loan Refinance programs. For those interested in variable rates, Franklin Mint and Cyprus Credit Union both provide competitive options beginning around 4.53%, which can be a smart pick for borrowers comfortable with rate fluctuations. Parents and graduates should also note that Navy Federal Credit Union maintains steady fixed refinancing rates at 4.85%, alongside variable rate options just over 5%. Whether you’re refinancing your own loans or consolidating parent loans, today’s data highlights a variety of competitive programs designed to fit different financial needs — all with stable rates compared to prior weeks. If you want flexibility or the lowest starting APRs, now is a great time to explore these credit unions’ offerings.
Refinance - Student Loans
Credit Union
Product
2025-07-23
(Current Day)
(Current Day)
2025-07-16
(7 Days Ago)
(7 Days Ago)
2025-07-08
(15 Days Ago)
(15 Days Ago)
2025-06-23
(30 Days Ago)
(30 Days Ago)
2025-05-24
(60 Days Ago)
(60 Days Ago)
Lake Trust
Student Loan Refinance (fixed) [Refinance]
3.90 - 9.75
3.90 - 9.75
3.90 - 9.75
Lake Trust
Nursing Loan Refinance (fixed) [Refinance]
3.90 - 11.50
3.90 - 11.50
3.90 - 11.50
Navigant
Pay Now (fixed) [Refinance]
4.99 - 8.04
Navigant
Pay Later (fixed) [Refinance]
5.99 - 8.99
Lighthouse
EdvestinU Refinance Loan (fixed) [Refinance]
4.15 - 9.31
State Employees CU Of Maryland Inc
Student Loan Refinance (fixed) [Refinance]
7.08 - 9.50
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
4.50 - 7.00
Georgia S Own
Variable Rates (variable) [Refinance]
7.75 - 9.75
7.75 - 9.75
7.75 - 9.75
Franklin Mint
Variable Rate (variable) [Refinance]
4.53
Franklin Mint
Fixed Rate (fixed) [Refinance]
4.54
Cyprus
Variable Rate (variable) [Refinance]
4.53
Cyprus
Fixed Rate (fixed) [Refinance]
4.54
Soarion Credit Union
Student Loan Refinance (fixed) [Refinance]
4.60
4.60
4.60
5.10▲ 50 bps
Soarion Credit Union
Student Loan Refinance (variable) [Refinance]
5.75
5.75
5.75
6.24▲ 49 bps
Baxter
Medical Degree Refi (fixed) [Refinance]
4.80
4.80
4.80
4.80
Baxter
Student Loan Refinance (variable) [Refinance]
4.89
4.89
4.89
4.89
Baxter
Student Loan Refinance (fixed) [Refinance]
6.30
6.30
6.30
6.30
Navy Federal Credit Union
Student Loan Refinancing (fixed) [Refinance]
4.85
4.85
Navy Federal Credit Union
Student Loan Refinancing (fixed) [Refinance]
4.85
4.85
Navy Federal Credit Union
Parent Loan Refinancing (fixed) [Refinance]
4.85
4.85
Navy Federal Credit Union
Student Loan Refinancing (variable) [Refinance]
5.22
5.22
Navy Federal Credit Union
Student Loan Refinancing (variable) [Refinance]
5.22
5.22
Navy Federal Credit Union
Parent Loan Refinancing (variable) [Refinance]
5.22
5.22
Lake Trust
As of July 23, 2025, Lake Trust’s Student Loan Refinance fixed rates remain steady at 3.90% - 9.75%, showing no change over the past 30 days. Similarly, the Nursing Loan Refinance fixed rates hold firm at 3.90% - 11.50% with no recent fluctuations. With competitive low starting rates of 3.90%, borrowers with higher current rates should consider refinancing to potentially lower monthly payments and save on interest. These stable refinance options from Lake Trust offer reliable opportunities for students and parents seeking affordable education financing.
Navigant
As of July 23, 2025, Navigant offers two competitive refinance student loan products with fixed rates. The Pay Now (fixed) [Refinance] program features an attractive APR range of 4.99% to 8.04%, while the Pay Later (fixed) [Refinance] ranges from 5.99% to 8.99%. Since these are new offerings, no prior rate trends exist yet. For borrowers with current rates above 8%, refinancing through Navigant’s Pay Now plan could significantly reduce your interest costs, offering strong value and predictable payments. Stay tuned for upcoming rate updates as Navigant continues supporting affordable education financing.
Lighthouse
As of July 23, 2025, the Lighthouse EdvestinU Refinance Loan (fixed) offers competitive rates ranging from 4.15% to 9.31% APR. With no prior data for comparison, rates appear stable today. Borrowers with existing loans above 8% should consider refinancing to potentially lower monthly payments and save on interest. This fixed-rate refinance option provides predictable payments, ideal for those seeking long-term stability in student loan repayment. Keep an eye on Lighthouse’s offerings as they remain a strong choice for affordable education financing through refinancing.
State Employees CU Of Maryland Inc
As of July 23, 2025, State Employees CU Of Maryland Inc's Student Loan Refinance (fixed) rates remain steady at 7.08% - 9.50%, unchanged over the past 30 days. This stability offers a reliable option for borrowers seeking predictable payments. If your current student loan rate exceeds 8%, consider refinancing here to potentially lower your interest costs with competitive fixed APRs starting at 7.08%. With no recent rate increases, this product remains an attractive choice for both students and parents aiming to manage education financing effectively.
Georgia S Own
As of July 23, 2025, Georgia S Own maintains steady refinance student loan rates with fixed rates ranging from 4.50% to 7.00% and variable rates between 7.75% and 9.75%, showing no changes over the past 30 days. The fixed-rate refinance product remains the most competitive option for borrowers seeking stability and lower costs. Consider refinancing if your current rate exceeds 8%, especially to lock in these consistent fixed rates. With no recent rate increases, now is a solid time to explore refinancing options through Georgia S Own for affordable education financing.
Franklin Mint
As of July 23, 2025, Franklin Mint’s refinance student loan rates debut at 4.53% variable and 4.54% fixed, with no prior data for direct comparison. These competitive rates offer an attractive option for borrowers seeking to lower payments or simplify debt. If your current student loan rate exceeds 8%, refinancing now could significantly reduce your interest costs. Both variable and fixed refinance options provide affordable pathways to manage education debt effectively in today’s market.
Cyprus
As of July 23, 2025, Cyprus Credit Union offers competitive Refinance student loan rates with a Variable Rate at 4.53% APR and a Fixed Rate at 4.54% APR—both newly listed with no prior rate history. These low rates make Cyprus an excellent option for borrowers looking to refinance, especially if your current rate exceeds 8%. Locking in a fixed rate close to the variable option can provide stability while still benefiting from attractive terms. Consider refinancing now to potentially reduce your monthly payments and overall interest costs.
Soarion Credit Union
As of July 23, 2025, Soarion Credit Union’s Student Loan Refinance rates remain steady. The fixed refinance loan holds at a competitive 4.60% APR, unchanged over the past 30 days. Meanwhile, the variable refinance rate is stable at 5.75% APR with no recent fluctuations. For borrowers with current rates above 8%, refinancing with Soarion’s fixed 4.60% APR could offer significant savings and predictable payments. Staying informed on these consistent, low-rate options helps families make smarter education financing decisions.
Baxter
As of July 23, 2025, Baxter’s Medical Degree Refi (fixed) and Student Loan Refinance (variable) rates remain steady at 4.80% and 4.89% APR respectively, showing no change over the past 30 days. The Student Loan Refinance (fixed) product holds firm at 6.30% APR. With these stable and competitive rates, especially the low 4.80% fixed medical refinance, borrowers should consider refinancing if their current rates exceed 6% to secure savings and predictable payments. Consistent pricing offers a reliable opportunity for those seeking to lower their student loan costs today.
Navy Federal Credit Union
As of July 23, 2025, Navy Federal Credit Union's refinance student loan rates remain steady, with fixed-rate refinancing for both student and parent loans at a competitive 4.85% APR. Variable-rate options hold at 5.22% APR, showing no change over the past 7 days. These stable rates make fixed refinancing at 4.85% the most attractive option for borrowers seeking predictability. Consider refinancing if your current rate exceeds 8%, as Navy Federal’s offerings provide significant savings without recent rate increases. Staying informed helps you secure affordable education financing tailored to your needs.
LendMesh
You’re not just borrowing money—you’re investing in your future. At LendMesh, we help you find student loan options that respect your goals, your timeline, and your budget. Start comparing lenders today at https://www.lendmesh.com/loans/student_loans .
Conclusion
Looking ahead, locking in a low fixed rate now could save significant money over the life of your loan—especially if you prefer predictable monthly payments. Even small APR shifts matter; a difference of just 0.1% can impact your total interest costs by hundreds or thousands of dollars. Students nearing graduation or parents considering refinancing should weigh whether a fixed or variable plan fits their budget and risk tolerance best. Keep an eye on programs like Lake Trust’s ultra-competitive fixed rates or Franklin Mint’s low variable rates for potential savings. To make the most informed choice, gather personalized quotes from these credit unions soon—rates can change without notice, so acting promptly may lock in better terms before any market shifts occur. Lastly, don’t overlook any special eligibility criteria or member benefits that might enhance your overall borrowing experience. Staying proactive now means smoother finances tomorrow.