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
| Lender | Product | 2025-07-25 Current | 2025-07-18 7 Days Ago | 2025-07-10 15 Days Ago | 2025-06-25 30 Days Ago | 2025-06-10 45 Days Ago | 2025-05-26 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% | 2.99% | 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% | 2.99% | N/A | N/A | N/A | N/A |
| Sandia Laboratory | Private Student Loans (fixed) | 2.99% | 2.99% | N/A | N/A | N/A | N/A |
| Navigant | 5-Year Immediate Repayment (fixed) | 2.99 - 8.39% | 2.99 - 8.39% | 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% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Navigant | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Navigant | MBA Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | 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% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Navigant | Graduate School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | 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% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Achieva Credit Union | MBA Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Achieva 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 |
| Achieva Credit Union | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Graduate School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Undergraduate Student Loan (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Career Training Loan (fixed) | 3.19 - 17.18% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Medical School Loan (fixed) | 3.19 - 14.98% | N/A | 3.19 - 14.98% | N/A | N/A | N/A |
| Affinity | Dental School Loan (fixed) | 3.19 - 14.98% | N/A | 3.19 - 14.98% | N/A | N/A | N/A |
| Affinity | MBA Loan (fixed) | 3.19 - 14.99% | N/A | 3.19 - 14.99% | N/A | N/A | N/A |
| Affinity | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | N/A | 3.19 - 14.99% | N/A | N/A | N/A |
| Affinity | Law School Loan (fixed) | 3.19 - 14.99% | N/A | 3.19 - 14.99% | N/A | N/A | N/A |
| Affinity | Graduate School Loan (fixed) | 3.19 - 14.99% | N/A | 3.19 - 14.99% | N/A | N/A | N/A |
| Affinity | Smart Option Student Loan® for Undergraduate students (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Smart Option Student Loan® for Career training students (fixed) | 3.19 - 17.18% | N/A | N/A | N/A | N/A | N/A |
| Elfi | Undergraduate Student Loans (fixed) | 3.69% | N/A | 3.69% | 3.69% | 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% | 4.36% | N/A | N/A | N/A | N/A |
| Franklin Mint | Variable Rate (variable) | 4.36% | 4.36% | N/A | N/A | N/A | N/A |
| Sandia Laboratory | Private Student Loans (variable) | 4.36% | 4.36% | N/A | N/A | N/A | N/A |
| Navigant | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| Navigant | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Navigant | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Navigant | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 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% | 4.37 - 13.98% | 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% | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A |
| Achieva Credit Union | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| Achieva Credit Union | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| Achieva Credit Union | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| Achieva Credit Union | 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 |
| Achieva Credit Union | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| Achieva Credit Union | Undergraduate Student Loan (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Career Training Loan (variable) | 4.37 - 16.73% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Medical School Loan (variable) | 4.37 - 13.96% | N/A | 4.37 - 13.96% | N/A | N/A | N/A |
| Affinity | Dental School Loan (variable) | 4.37 - 13.97% | N/A | 4.37 - 13.97% | N/A | N/A | N/A |
| Affinity | Law School Loan (variable) | 4.37 - 13.97% | N/A | 4.37 - 13.97% | N/A | N/A | N/A |
| Affinity | MBA Loan (variable) | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A | N/A | N/A |
| Affinity | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A | N/A | N/A |
| Affinity | Graduate School Loan (variable) | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A | N/A | N/A |
| Affinity | Smart Option Student Loan® for Undergraduate students (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Smart Option Student Loan® for Career training students (variable) | 4.37 - 16.73% | N/A | N/A | N/A | N/A | N/A |
| Navigant | 10-Year Immediate Repayment (fixed) | 4.49 - 8.39% | 4.49 - 8.39% | 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% | 5.00% | 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% | 5.99 - 8.74% | 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 |
| Affinity | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | N/A | 6.40 - 11.89% | N/A | N/A | N/A |
| Affinity | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | N/A | 6.40 - 11.89% | 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 |
| Affinity | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | N/A | 7.00 - 12.45% | N/A | N/A | N/A |
| Affinity | 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 |
| Affinity | Bar Study Loan (fixed) | 7.01 - 15.26% | N/A | 7.01 - 15.26% | 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 |
| Affinity | 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 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.