Introduction
As of July 24, 2025, students and parents exploring student loan options can find some of the most competitive rates available through credit unions offering a variety of fixed and variable programs. For those seeking low fixed rates, Eecu’s Texas Extra Credit Education Loan stands out with rates as low as 2.74% APR, making it an excellent choice for undergraduate borrowers looking for stability. Meanwhile, credit unions like Cyprus, Franklin Mint, Sandia Laboratory, and Elfi offer attractive fixed rates starting at 2.99% APR, with variable options slightly higher but still competitive around the 4.36% to 5.00% APR range. Graduate and professional students have diverse options too—Navigant Credit Union provides a wide spectrum of loans tailored to medical, dental, law, MBA, and other graduate programs with rates beginning near 3.19% APR fixed and variable rates from about 4.37% APR. Parents considering repayment options will find Navigant’s immediate repayment plans compelling with rates starting at 2.99% APR. For borrowers interested in credit-based or outcomes-based loans, Ascent Funding and Safe Credit Unions present broader ranges that reflect varied credit profiles but still begin around a reasonable 3.09% to 3.19% APR for fixed-rate loans. With these options updated today, it’s clear that careful comparison can lead to favorable terms tailored to your education financing needs.
New - Student Loans
| Lender | Product | 2025-07-24 Current | 2025-07-17 7 Days Ago | 2025-07-09 15 Days Ago | 2025-06-24 30 Days Ago | 2025-06-09 45 Days Ago | 2025-05-25 60 Days Ago |
|---|---|---|---|---|---|---|---|
| EecuLOWEST | Texas Extra Credit Education Loan (fixed) | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A |
| Cyprus | Fixed Rate (fixed) | 2.99% | N/A | N/A | N/A | N/A | N/A |
| Elfi | private (fixed) | 2.99%▼ 70 bps | 3.69% | 3.69% | 3.69% | N/A | N/A |
| Franklin Mint | Fixed Rate (fixed) | 2.99% | N/A | N/A | N/A | N/A | N/A |
| Sandia Laboratory | Private Student Loans (fixed) | 2.99% | N/A | N/A | N/A | N/A | N/A |
| Navigant | 5-Year Immediate Repayment (fixed) | 2.99 - 8.39% | N/A | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Credit-Based Loan (fixed) | 3.09 - 14.41% | 3.09 - 14.41% | 3.09 - 14.41% | 8.49 - 14.01% | N/A | N/A |
| Safe | Private Student Loans with Cosigner (fixed) | 3.09 - 15.61% | 3.09 - 15.61% | 3.09 - 15.61% | N/A | N/A | N/A |
| Navigant | Medical School Loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Dental School Loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Navigant | MBA Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Law School Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Graduate School Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Smart Option Student Loan® for Undergraduate students (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Smart Option Student Loan® for Career training students (fixed) | 3.19 - 17.18% | N/A | N/A | N/A | N/A | N/A |
| Safe | Medical School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Safe | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Safe | MBA Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Safe | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Safe | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Safe | Graduate School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Safe | Undergraduate Student Loan (fixed) | 3.19 - 16.99% | 3.19 - 16.99% | N/A | N/A | N/A | N/A |
| Safe | Career Training Loan (fixed) | 3.19 - 17.18% | 3.19 - 17.18% | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Medical School Loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Dental School Loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | MBA Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Law School Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Graduate School Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Smart Option Student Loan® for Undergraduate students (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Smart Option Student Loan® for Career training students (fixed) | 3.19 - 17.18% | N/A | 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 (fixed) | 3.19 - 14.99% | N/A | 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 | Undergraduate student loan (fixed) | 3.19 - 16.99% | 3.19 - 16.99% | N/A | N/A | N/A | N/A |
| Affinity | Career training loan (fixed) | 3.19 - 17.18% | 3.19 - 17.18% | N/A | N/A | N/A | N/A |
| Elfi | Undergraduate Student Loans (fixed) | 3.69% | N/A | 3.69% | N/A | N/A | 3.69% |
| Ascent Funding Credit Union | Credit-Based Loan (variable) | 4.31 - 14.72% | 4.31 - 14.72% | 4.31 - 14.72% | 8.25 - 13.61% | N/A | N/A |
| Safe | Private Student Loans with Cosigner (variable) | 4.31 - 15.22% | 4.31 - 15.22% | 4.31 - 15.22% | N/A | N/A | N/A |
| Cyprus | Variable Rate (variable) | 4.36% | N/A | N/A | N/A | N/A | N/A |
| Franklin Mint | Variable Rate (variable) | 4.36% | N/A | N/A | N/A | N/A | N/A |
| Sandia Laboratory | Private Student Loans (variable) | 4.36% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Medical School Loan (variable) | 4.37 - 13.96% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Dental School Loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Law School Loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A |
| Navigant | MBA Loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Graduate School Loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Smart Option Student Loan® for Undergraduate students (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Smart Option Student Loan® for Career training students (variable) | 4.37 - 16.73% | N/A | N/A | N/A | N/A | N/A |
| Safe | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A |
| Safe | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| Safe | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| Safe | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| Safe | 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 |
| Safe | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| Safe | Undergraduate Student Loan (variable) | 4.37 - 16.49% | 4.37 - 16.49% | N/A | N/A | N/A | N/A |
| Safe | Career Training Loan (variable) | 4.37 - 16.73% | 4.37 - 16.73% | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Medical School Loan (variable) | 4.37 - 13.96% | N/A | 4.37 - 13.96% | N/A | N/A | N/A |
| Achieva Credit Union | Dental School Loan (variable) | 4.37 - 13.97% | N/A | 4.37 - 13.97% | N/A | N/A | N/A |
| Achieva Credit Union | Law School Loan (variable) | 4.37 - 13.97% | N/A | 4.37 - 13.97% | N/A | N/A | N/A |
| Achieva Credit Union | MBA Loan (variable) | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A | N/A | N/A |
| Achieva Credit Union | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A | N/A | N/A |
| Achieva Credit Union | Graduate School Loan (variable) | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A | N/A | N/A |
| Achieva Credit Union | Smart Option Student Loan® for Undergraduate students (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Smart Option Student Loan® for Career training students (variable) | 4.37 - 16.73% | N/A | 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 (variable) | 4.37 - 13.98% | N/A | 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 | Undergraduate student loan (variable) | 4.37 - 16.49% | 4.37 - 16.49% | N/A | N/A | N/A | N/A |
| Affinity | Career training loan (variable) | 4.37 - 16.73% | 4.37 - 16.73% | N/A | N/A | N/A | N/A |
| Navigant | 10-Year Immediate Repayment (fixed) | 4.49 - 8.39% | N/A | N/A | N/A | N/A | N/A |
| Elfi | private (variable) | 5.00% | 5.00% | 5.00% | 5.00% | N/A | N/A |
| Elfi | Undergraduate Student Loans (variable) | 5.00% | N/A | 5.00% | N/A | N/A | 5.00% |
| Ascent Funding Credit Union | Credit-Based Loan (fixed) | 5.10 - 15.61% | 5.10 - 15.61% | 5.10 - 15.61% | N/A | N/A | N/A |
| Ascent Funding Credit Union | Credit-Based Loan (variable) | 5.51 - 15.22% | 5.51 - 15.22% | 5.51 - 15.22% | N/A | N/A | N/A |
| Navigant | 10-Year | Parent Immediate Repayment (fixed) | 5.99 - 8.49% | N/A | N/A | N/A | N/A | N/A |
| Navigant | 15-Year Deferred Repayment (fixed) | 5.99 - 8.74% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Safe | Medical Residency Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Safe | Dental Residency Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | N/A | N/A | N/A | N/A | N/A |
| Safe | Medical Residency Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Safe | Dental Residency Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | N/A | 7.00 - 12.45% | N/A | N/A | N/A |
| Achieva Credit Union | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | N/A | 7.00 - 12.45% | N/A | N/A | N/A |
| Navigant | Bar Study Loan (fixed) | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A |
| Safe | Bar Exam Loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Bar Study Loan (fixed) | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A |
| Navigant | Bar Study Loan (variable) | 7.13 - 16.74% | N/A | N/A | N/A | N/A | N/A |
| Safe | Bar Exam Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Bar Study Loan (variable) | 7.13 - 16.74% | N/A | 7.13 - 16.74% | N/A | N/A | N/A |
| Ascent Funding Credit Union | Credit-Based Loan (variable) | 8.21 - 13.57% | 8.21 - 13.57% | 8.21 - 13.57% | N/A | N/A | N/A |
| Ascent Funding Credit Union | Credit-Based Loan (fixed) | 8.29 - 13.76% | 8.29 - 13.76% | 8.29 - 13.76% | N/A | N/A | N/A |
| Ascent Funding Credit Union | Outcomes-Based Loan (variable) | 12.87 - 14.81% | 12.87 - 14.81% | 12.87 - 14.81% | N/A | N/A | N/A |
| Ascent Funding Credit Union | Outcomes-Based Loan (fixed) | 12.98 - 14.93% | 12.98 - 14.93% | 12.98 - 14.93% | 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 24, 2025, the Texas Extra Credit Education Loan (fixed) from Eecu remains steady with rates between 2.74% and 6.89% APR, showing no changes over the past 30 days. This consistent pricing offers a highly competitive fixed-rate option for students and parents seeking predictable payments. Borrowers should consider locking in these low rates now, especially if current loans exceed 7% APR. With no recent rate increases, this product provides stability in an uncertain market—ideal for families prioritizing budget certainty throughout their education financing journey.
Cyprus
As of July 24, 2025, Cyprus Credit Union offers two competitive new student loan options. The Fixed Rate loan stands at a low 2.99% APR, ideal for borrowers seeking predictable payments. Meanwhile, the Variable Rate loan is available at 4.36% APR, providing flexibility with potential future rate adjustments. Since these are new products, no prior rate trends exist yet. Students and parents looking for affordable education financing should consider the fixed rate for stability or variable rate if comfortable with market fluctuations. If your current loan exceeds 8%, exploring Cyprus’s offerings could reduce your borrowing costs significantly.
Elfi
As of July 24, 2025, Elfi’s private fixed rates have dropped significantly to 2.99% APR, down from 3.69% just 7 days ago—a notable 70 bps decrease making it the most competitive option for borrowers seeking stability. Undergraduate fixed loans remain steady at 3.69% APR, while variable rates hold firm at 5.00% APR for both private and undergraduate loans. For those prioritizing low fixed costs, Elfi’s private fixed loan offers exceptional value right now. Borrowers with higher current rates should consider these options to potentially lower their monthly payments and overall interest burden.
Franklin Mint
As of July 24, 2025, Franklin Mint’s new student loan rates offer strong options for education financing. The Fixed Rate loan stands at a competitive 2.99% APR, ideal for borrowers seeking predictable payments. Meanwhile, the Variable Rate loan is 4.36% APR, providing potential savings if rates decline. Since these are new products, no prior rate trends are available yet. Borrowers should consider the fixed option for stability and the variable loan if comfortable with market fluctuations. For those with current loans above 8%, exploring Franklin Mint’s offerings could lead to significant savings.
Sandia Laboratory
As of July 24, 2025, Sandia Laboratory’s new Private Student Loans offer competitive fixed rates at 2.99% APR and variable rates at 4.36% APR, both newly introduced with no prior data for comparison. The fixed-rate loan stands out as the most affordable option for students seeking predictable payments. Borrowers should consider locking in a fixed rate if they prefer stability, while variable rates may suit those anticipating lower interest trends. For parents and students exploring financing, these fresh options provide transparent, low-cost solutions tailored to today’s market.
Navigant
This week at Navigant, new student loan rates remain steady with no historical data for comparison. The 5-Year Immediate Repayment (fixed) offers the most competitive rate starting at 2.99% APR, ideal for borrowers seeking lower fixed rates. Graduate and professional loans, like the Medical School Loan (fixed) and MBA Loan (fixed), range broadly from 3.19% to nearly 15% APR, reflecting credit and cosigner factors. Variable options start slightly higher, around 4.37% APR. For parents, the 10-Year Parent Immediate Repayment (fixed) begins at 5.99% APR. Borrowers with rates above 8% should explore Navigant’s fixed options to potentially reduce costs.
Ascent Funding Credit Union
As of July 24, 2025, Ascent Funding Credit Union’s new student loan rates remain steady across all products compared to the past 15 days. The most competitive option is the Credit-Based Loan (fixed) with rates starting as low as 3.09% APR, unchanged from last month’s high starting rate of 8.49%. Variable-rate loans hold between 4.31% and 15.22% APR, offering flexibility for borrowers seeking potential savings. Outcomes-Based Loans remain higher but stable at 12.87% to 14.93% APR. Borrowers with rates above 8% should consider these new fixed or variable options to secure more affordable financing today.
Safe
As of July 24, 2025, Safe’s student loan rates remain steady with no changes over the past 7 to 30 days. The most competitive options include the Private Student Loans with Cosigner (fixed) at 3.09% APR and the Medical School Loan (fixed) starting at 3.19% APR. Variable rate loans begin slightly higher, with cosigned loans at 4.31% APR. For borrowers seeking stability, fixed rates under 4% APR offer strong affordability, while variable loans may suit those anticipating rate drops. Consider locking in a fixed rate if your current loan exceeds 8%, as Safe’s offerings provide attractive low-end APRs without recent increases.
Achieva Credit Union
This week at Achieva Credit Union, all new fixed student loan rates start at a competitive 3.19% APR, with programs like Medical, Dental, MBA, and Law School Loans topping out near 14.98-14.99%. Variable rates remain steady, beginning at 4.37% APR across most offerings. Notably, the Smart Option Student Loan® for Career Training hits a variable high of 17.18%, while fixed rates peak at 16.99% for undergraduates. For relocation loans, fixed rates range from 6.40%-11.89%, with variable slightly higher.
If your current rate exceeds 8%, exploring these low starting APRs could save you money over time.
Affinity
This week at Affinity, student loan rates remain steady with no changes over the past 7 to 30 days across all new fixed and variable products. Notably, fixed Medical, Dental, and MBA loans offer competitive APRs from 3.19% up to 14.99%, while variable Career Training loans range from 4.37% to 16.73%. For borrowers seeking predictability, fixed-rate loans starting at 3.19% provide strong value. If your current loan rate exceeds 8%, exploring Affinity’s new options could help lower your payments or reduce long-term costs. Stability in rates means now is a good time to compare and plan your education financing wisely.
LendMesh
Already making student loan payments? You may qualify for a better deal. With LendMesh, you can explore refinancing options from banks and credit unions that could save you money every month. Start fresh at https://www.lendmesh.com/loans/student-loans .
Conclusion
If you’re currently weighing your student loan choices, now is a smart time to consider locking in rates—especially if you’re eyeing the lowest fixed APRs like those from Eecu or Navigant’s specialized graduate programs. Even small APR shifts can translate into significant savings over the life of a loan, so watching weekly updates matters more than ever. Undergraduates prioritizing predictable payments should lean toward fixed-rate loans with competitive floors below 3%, while parents and graduate students might explore flexible variable options if they anticipate paying off loans sooner or expect rate drops. Remember that some credit unions offer unique programs based on your career path or repayment ability—taking time to align your loan type with your goals can maximize benefits. To move forward confidently, gather your financial details and compare the current offerings listed here—applying sooner rather than later could secure the best available rate before any market changes occur. Staying informed each week empowers you to make choices that support your education journey without unnecessary cost burdens.