Introduction
As of July 25, 2025, students and parents exploring student loan options have some excellent news: some of the lowest fixed and variable APRs remain steady across top credit unions. If you’re looking for the most competitive undergraduate loans, Eecu’s Texas Extra Credit Education Loan offers a fixed rate as low as 2.74%, making it one of the best choices for budget-conscious borrowers. For those interested in private loans with solid rates, Elfi presents fixed rates starting at 2.99% and variable rates at 5.00%, maintaining consistency from previous weeks. Parents seeking loans will find Navigant’s 10-Year Parent Immediate Repayment loans starting at 5.99%, while Navigant and Safe credit unions continue to offer a broad range of graduate and professional school loans with rates starting near 3.19%. Whether you’re an undergraduate, graduate student, or parent, today’s data highlights steady, competitive options without surprising jumps in APRs—helping families plan confidently for education financing.
New - Student Loans
Credit Union
Product
2025-07-25
(Current Day)
(Current Day)
2025-07-18
(7 Days Ago)
(7 Days Ago)
2025-07-10
(15 Days Ago)
(15 Days Ago)
2025-06-25
(30 Days Ago)
(30 Days Ago)
2025-06-10
(45 Days Ago)
(45 Days Ago)
2025-05-26
(60 Days Ago)
(60 Days Ago)
Eecu
Texas Extra Credit Education Loan (fixed)
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
Cyprus
Fixed Rate (fixed)
2.99
2.99
Cyprus
Variable Rate (variable)
4.36
4.36
Elfi
private (fixed)
2.99
3.69▲ 70 bps
3.69▲ 70 bps
3.69▲ 70 bps
Elfi
Undergraduate Student Loans (fixed)
3.69
3.69
3.69
3.69
Elfi
private (variable)
5.00
5.00
5.00
5.00
Elfi
Undergraduate Student Loans (variable)
5.00
5.00
5.00
5.00
Franklin Mint
Fixed Rate (fixed)
2.99
2.99
Franklin Mint
Variable Rate (variable)
4.36
4.36
Sandia Laboratory
Private Student Loans (fixed)
2.99
2.99
Sandia Laboratory
Private Student Loans (variable)
4.36
4.36
Navigant
5-Year Immediate Repayment (fixed)
2.99 - 8.39
2.99 - 8.39
Navigant
Medical School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Navigant
Dental School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Navigant
MBA Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Navigant
Graduate School Loan for Health Professions (fixed)
3.19 - 14.99
Navigant
Law School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Navigant
Graduate School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Navigant
Smart Option Student Loan® for Undergraduate students (fixed)
3.19 - 16.99
Navigant
Smart Option Student Loan® for Career training students (fixed)
3.19 - 17.18
Navigant
Medical School Loan (variable)
4.37 - 13.96
4.37 - 13.96
Navigant
Dental School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Navigant
Law School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Navigant
MBA Loan (variable)
4.37 - 13.98
4.37 - 13.98
Navigant
Graduate School Loan for Health Professions (variable)
4.37 - 13.98
Navigant
Graduate School Loan (variable)
4.37 - 13.98
4.37 - 13.98
Navigant
Smart Option Student Loan® for Undergraduate students (variable)
4.37 - 16.49
Navigant
Smart Option Student Loan® for Career training students (variable)
4.37 - 16.73
Navigant
10-Year Immediate Repayment (fixed)
4.49 - 8.39
4.49 - 8.39
Navigant
10-Year | Parent Immediate Repayment (fixed)
5.99 - 8.49
Navigant
15-Year Deferred Repayment (fixed)
5.99 - 8.74
5.99 - 8.74
Navigant
Medical Residency and Relocation Loan (fixed)
6.40 - 11.89
Navigant
Dental Residency and Relocation Loan (fixed)
6.40 - 11.89
Navigant
Medical Residency and Relocation Loan (variable)
7.00 - 12.45
Navigant
Dental Residency and Relocation Loan (variable)
7.00 - 12.45
Navigant
Bar Study Loan (fixed)
7.01 - 15.26
Navigant
Bar Study Loan (variable)
7.13 - 16.74
Ascent Funding Credit Union
Credit-Based Loan (fixed)
3.09 - 14.41
3.09 - 14.41
3.09 - 14.41
8.49 - 14.01▲ 540 bps
Ascent Funding Credit Union
Credit-Based Loan (variable)
4.31 - 14.72
4.31 - 14.72
4.31 - 14.72
8.25 - 13.61▲ 394 bps
Ascent Funding Credit Union
Credit-Based Loan (fixed)
5.10 - 15.61
5.10 - 15.61
5.10 - 15.61
Ascent Funding Credit Union
Credit-Based Loan (variable)
5.51 - 15.22
5.51 - 15.22
5.51 - 15.22
Ascent Funding Credit Union
Credit-Based Loan (variable)
8.21 - 13.57
8.21 - 13.57
8.21 - 13.57
Ascent Funding Credit Union
Credit-Based Loan (fixed)
8.29 - 13.76
8.29 - 13.76
8.29 - 13.76
Ascent Funding Credit Union
Outcomes-Based Loan (variable)
12.87 - 14.81
12.87 - 14.81
12.87 - 14.81
Ascent Funding Credit Union
Outcomes-Based Loan (fixed)
12.98 - 14.93
12.98 - 14.93
12.98 - 14.93
Safe
Private Student Loans with Cosigner (fixed)
3.09 - 15.61
3.09 - 15.61
3.09 - 15.61
Safe
Medical School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Safe
Dental School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Safe
MBA Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Safe
Graduate School Loan for Health Professions (fixed)
3.19 - 14.99
3.19 - 14.99
Safe
Law School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Safe
Graduate School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Safe
Undergraduate Student Loan (fixed)
3.19 - 16.99
3.19 - 16.99
Safe
Career Training Loan (fixed)
3.19 - 17.18
3.19 - 17.18
Safe
Private Student Loans with Cosigner (variable)
4.31 - 15.22
4.31 - 15.22
4.31 - 15.22
Safe
Medical School Loan (variable)
4.37 - 13.96
4.37 - 13.96
4.37 - 13.96
Safe
Dental School Loan (variable)
4.37 - 13.97
4.37 - 13.97
4.37 - 13.97
Safe
Law School Loan (variable)
4.37 - 13.97
4.37 - 13.97
4.37 - 13.97
Safe
MBA Loan (variable)
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
Safe
Graduate School Loan for Health Professions (variable)
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
Safe
Graduate School Loan (variable)
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
Safe
Undergraduate Student Loan (variable)
4.37 - 16.49
4.37 - 16.49
Safe
Career Training Loan (variable)
4.37 - 16.73
4.37 - 16.73
Safe
Medical Residency Loan (fixed)
6.40 - 11.89
6.40 - 11.89
Safe
Dental Residency Loan (fixed)
6.40 - 11.89
6.40 - 11.89
Safe
Medical Residency Loan (variable)
7.00 - 12.45
7.00 - 12.45
Safe
Dental Residency Loan (variable)
7.00 - 12.45
7.00 - 12.45
Safe
Bar Exam Loan (fixed)
7.01 - 15.26
7.01 - 15.26
Safe
Bar Exam Loan (variable)
7.13 - 16.74
7.13 - 16.74
Achieva Credit Union
Medical School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Achieva Credit Union
Dental School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Achieva Credit Union
MBA Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Achieva Credit Union
Graduate School Loan for Health Professions (fixed)
3.19 - 14.99
3.19 - 14.99
Achieva Credit Union
Law School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Achieva Credit Union
Graduate School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Achieva Credit Union
Undergraduate Student Loan (fixed)
3.19 - 16.99
Achieva Credit Union
Career Training Loan (fixed)
3.19 - 17.18
Achieva Credit Union
Medical School Loan (variable)
4.37 - 13.96
4.37 - 13.96
4.37 - 13.96
Achieva Credit Union
Dental School Loan (variable)
4.37 - 13.97
4.37 - 13.97
4.37 - 13.97
Achieva Credit Union
Law School Loan (variable)
4.37 - 13.97
4.37 - 13.97
4.37 - 13.97
Achieva Credit Union
MBA Loan (variable)
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
Achieva Credit Union
Graduate School Loan for Health Professions (variable)
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
Achieva Credit Union
Graduate School Loan (variable)
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
Achieva Credit Union
Undergraduate Student Loan (variable)
4.37 - 16.49
Achieva Credit Union
Career Training Loan (variable)
4.37 - 16.73
Affinity
Medical School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Affinity
Dental School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Affinity
MBA Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Affinity
Graduate School Loan for Health Professions (fixed)
3.19 - 14.99
3.19 - 14.99
Affinity
Law School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Affinity
Graduate School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Affinity
Smart Option Student Loan® for Undergraduate students (fixed)
3.19 - 16.99
Affinity
Smart Option Student Loan® for Career training students (fixed)
3.19 - 17.18
Affinity
Medical School Loan (variable)
4.37 - 13.96
4.37 - 13.96
Affinity
Dental School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Affinity
Law School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Affinity
MBA Loan (variable)
4.37 - 13.98
4.37 - 13.98
Affinity
Graduate School Loan for Health Professions (variable)
4.37 - 13.98
4.37 - 13.98
Affinity
Graduate School Loan (variable)
4.37 - 13.98
4.37 - 13.98
Affinity
Smart Option Student Loan® for Undergraduate students (variable)
4.37 - 16.49
Affinity
Smart Option Student Loan® for Career training students (variable)
4.37 - 16.73
Affinity
Medical Residency and Relocation Loan (fixed)
6.40 - 11.89
6.40 - 11.89
Affinity
Dental Residency and Relocation Loan (fixed)
6.40 - 11.89
6.40 - 11.89
Affinity
Medical Residency and Relocation Loan (variable)
7.00 - 12.45
7.00 - 12.45
Affinity
Dental Residency and Relocation Loan (variable)
7.00 - 12.45
7.00 - 12.45
Affinity
Bar Study Loan (fixed)
7.01 - 15.26
7.01 - 15.26
Affinity
Bar Study Loan (variable)
7.13 - 16.74
7.13 - 16.74
Eecu
As of July 25, 2025, Eecu’s Texas Extra Credit Education Loan (fixed) maintains steady rates at 2.74% to 6.89% APR, unchanged over the past 30 days. This stable range offers a competitive fixed-rate option for students and parents seeking predictable payments. Borrowers with higher current rates should consider this loan for potential savings and budget certainty. With no recent rate increases or decreases, Eecu’s consistent pricing provides valuable transparency in today’s fluctuating market.
Cyprus
As of July 25, 2025, Cyprus Credit Union’s new student loan rates remain steady with the Fixed Rate at 2.99% APR and the Variable Rate at 4.36% APR, unchanged over the past 7 days. The Fixed Rate loan stands out as the most competitive option for borrowers seeking predictability and low cost. For those comfortable with rate fluctuations, the variable option offers flexibility but at a higher APR. Students and parents should consider locking in a fixed rate below 3% to maximize savings, especially if current loans carry rates above 5%. Staying informed helps make smarter financing decisions.
Elfi
As of July 25, 2025, Elfi's new private fixed student loan rate dropped to 2.99%, down from 3.69% a week ago—a significant improvement for borrowers seeking stable rates. The Undergraduate Student Loan fixed rate remains steady at 3.69%, offering consistent affordability. Variable rates held firm at 5.00% for both private and undergraduate loans over the past month. With Elfi’s lowest fixed rate now under 3%, students and parents should consider locking in these competitive rates to reduce long-term borrowing costs. If your current loan exceeds 8%, exploring Elfi’s options could lead to meaningful savings.
Franklin Mint
As of July 25, 2025, Franklin Mint’s new student loan rates remain steady. The Fixed Rate loan holds at a competitive 2.99% APR, offering one of the lowest fixed options available. Meanwhile, the Variable Rate loan stays at 4.36% APR, unchanged over the past week. With no rate increases in the last 30 days, borrowers seeking predictability should consider the fixed-rate option, while those comfortable with potential fluctuations might explore the variable rate. If your current student loan APR exceeds 8%, these new low rates could provide meaningful savings through refinancing.
Sandia Laboratory
As of July 25, 2025, Sandia Laboratory's new Private Student Loans remain steady with fixed rates at 2.99% APR and variable rates at 4.36% APR, unchanged over the past 7 days. These competitive fixed rates offer affordable, predictable payments for students seeking stability. Meanwhile, variable loans may benefit those expecting lower rates ahead but come with more fluctuation. Borrowers with existing loans above 8% APR should consider Sandia’s low fixed-rate options to reduce costs and simplify budgeting during their education journey.
Navigant
As of July 25, 2025, Navigant’s new student loan rates remain steady with no changes over the past week. The most competitive fixed rates start at 2.99% APR for the 5-Year Immediate Repayment Loan, ideal for borrowers seeking low-cost short-term financing. Graduate and professional loans, including Medical, Dental, MBA, Law, and Graduate School Loans, offer fixed rates from 3.19% to 14.99% APR, while variable options begin at 4.37% APR. Parent borrowers can access fixed rates as low as 5.99% APR on the 10-Year Parent Immediate Repayment Loan. If your current rate exceeds 8%, exploring these options could lower your borrowing costs significantly.
Ascent Funding Credit Union
As of July 25, 2025, Ascent Funding Credit Union's new student loan rates remain stable with no changes over the past 15 days. The Credit-Based Loan (fixed) offers the most competitive rates starting at 3.09% APR, unchanged from last month’s higher floor of 8.49%. Variable rates also hold steady, with the lowest at 4.31% APR. Notably, outcomes-based loans maintain higher rates between 12.87% and 14.93% APR. Borrowers with rates above 8% should explore these fixed-rate options for better affordability and predictability in education financing.
Safe
As of July 25, 2025, Safe’s new student loan rates remain steady across all products with no changes in the past 7 to 30 days. The most competitive rates are found with Private Student Loans with Cosigner (fixed) at 3.09% APR and specialized professional loans like Medical and Dental School Loans fixed at 3.19% APR. Variable rates start slightly higher but offer flexibility, beginning around 4.31% APR for cosigned loans. Borrowers seeking affordability should consider fixed-rate cosigned loans under 4% APR, while those comfortable with rate variability might explore variable options below 5%. Staying informed helps secure the best financing for education costs.
Achieva Credit Union
This week at Achieva Credit Union, fixed Medical, Dental, MBA, Law, and Graduate Health Professions loans hold steady at 3.19%–14.99% APR, offering consistent options for professional students. Notably, the Undergraduate Fixed Loan starts at a competitive 3.19%, with rates up to 16.99%. Variable rates remain unchanged; for example, the Medical School Variable Loan ranges from 4.37% to 13.96% APR. Borrowers seeking stability should consider fixed options, while those comfortable with market fluctuations might explore variable loans starting near 4.37%. If your current rate exceeds 8%, reviewing Achieva’s new offerings could unlock savings on education financing.
Affinity
This week, Affinity’s new student loan rates remain steady across all products, with no changes over 15 or 30 days. The Medical, Dental, MBA, Graduate, and Law School Loans (fixed) offer highly competitive rates starting at 3.19% APR, ideal for borrowers seeking low fixed options. Variable-rate loans begin slightly higher at 4.37% APR. For undergraduates and career training students, the Smart Option Student Loan® fixed rates start at 3.19%, while variable rates range up to 16.73% APR. If your current rate exceeds 8%, explore these affordable fixed loans to potentially lower your payments and improve financial flexibility.
LendMesh
Student loans don’t need to feel like a trap. At LendMesh, we show you real rates from real lenders—so you can make choices that give you freedom, not frustration. Visit https://www.lendmesh.com/loans/student_loans and make borrowing work for you.
Conclusion
With rates holding mostly steady this week, now is a smart time for students and parents to consider locking in fixed-rate loans if you prefer predictable payments over time. Even small APR differences—like the gap between a 2.74% fixed rate versus a variable one near 5%—can add up to significant savings over the life of your loan. Graduate and professional students should pay close attention to specialized loans from Navigant, Safe, and Achieva Credit Unions that cater specifically to their fields with tailored repayment terms. Remember, if you anticipate borrowing soon or want to avoid potential future increases in interest rates, starting your application process early can secure these favorable terms before any shifts occur. Staying informed on weekly updates like today’s ensures you’re empowered to make the best financial decisions for your educational journey ahead.