Introduction

As of July 30, 2025, students, parents, and graduates exploring refinancing options have several standout choices to consider. For those seeking the lowest fixed-rate student loan refinance options, Lake Trust Credit Union offers an attractive range starting at just 3.90% APR on both their Student Loan Refinance and Nursing Loan Refinance programs. Meanwhile, if you prefer a variable rate option, Franklin Mint and Cyprus Credit Unions provide highly competitive rates starting around 4.53% APR. Parents looking to refinance will find solid options with Navy Federal Credit Union, offering fixed rates at 4.85% APR and variable rates beginning at 5.22% APR. For borrowers wanting a blend of flexibility and affordability, Georgia’s Own Credit Union presents fixed rates from 4.50% to 7.00% APR, alongside variable options up to 9.75%. Whether you’re refinancing undergraduate or graduate loans or seeking parent-specific terms, today’s data highlights some of the most competitive programs available—helping families make informed decisions in a dynamic market.

Refinance - Student Loans

Credit Union
Product
2025-07-30
(Current Day)
2025-07-23
(7 Days Ago)
2025-07-15
(15 Days Ago)
2025-06-30
(30 Days Ago)
2025-05-31
(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
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
4.53
Franklin Mint
Fixed Rate (fixed) [Refinance]
4.54
4.54
Cyprus
Variable Rate (variable) [Refinance]
4.53
4.53
Cyprus
Fixed Rate (fixed) [Refinance]
4.54
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 and Parent Refinance Loan (fixed) [Refinance]
4.85
Navy Federal Credit Union
Student Refinance Loan (fixed) [Refinance]
4.85
4.85
Navy Federal Credit Union
Parent Refinance Loan (fixed) [Refinance]
4.85
4.85
Navy Federal Credit Union
Student and Parent Refinance Loan (variable) [Refinance]
5.22
Navy Federal Credit Union
Student Refinance Loan (variable) [Refinance]
5.22
5.24▲ 2 bps
Navy Federal Credit Union
Parent Refinance Loan (variable) [Refinance]
5.22
5.24▲ 2 bps

Lake Trust

As of July 30, 2025, Lake Trust's Student Loan Refinance (fixed) and Nursing Loan Refinance (fixed) rates remain steady at 3.90% - 9.75% and 3.90% - 11.50%, respectively, with no changes over the past 30 days. The consistent low starting APR of 3.90% makes these products highly competitive for borrowers seeking to lower their interest costs. If your current student loan rate exceeds 8%, refinancing with Lake Trust could offer significant savings and payment relief. Staying informed about stable rates can help you make confident financial decisions today.

Navigant

This week at Navigant, Pay Now (fixed) refinance rates range from 4.99% to 8.04% APR, offering the most competitive low-end pricing for borrowers seeking immediate repayment. Meanwhile, the Pay Later (fixed) refinance option starts at 5.99% and goes up to 8.99% APR. With no prior data for comparison, these fixed rates establish a strong benchmark in today’s market. If your current student loan rate exceeds 8%, consider refinancing with Navigant to potentially lower your payments and save on interest over time.

Lighthouse

As of July 30, 2025, Lighthouse’s EdvestinU Refinance Loan (fixed) maintains a stable APR range of 4.15% to 9.31%, unchanged over the past 7 days. This competitive fixed-rate option offers borrowers a reliable choice without recent fluctuations. If your current student loan rate exceeds 8%, refinancing with Lighthouse could lower your payments and save interest costs. Stability in rates means now is a solid time to consider refinancing for more affordable education financing.

State Employees CU Of Maryland Inc

As of July 30, 2025, the Student Loan Refinance (fixed) rates at State Employees CU Of Maryland Inc remain steady at 7.08% - 9.50% APR, unchanged over the past 30 days. This consistency offers predictability for borrowers seeking to lower their payments. If your current refinance rate exceeds 8%, exploring this option could provide significant savings. With no recent rate increases, now is a stable time to consider refinancing your student loans through this credit union’s competitive program.

Georgia S Own

As of July 30, 2025, Georgia S Own maintains steady refinance student loan rates with no changes in the past 30 days. The Fixed Rates refinance remain at a competitive 4.50% - 7.00% APR, ideal for borrowers seeking predictable payments. Meanwhile, the Variable Rates refinance hold steady at 7.75% - 9.75% APR, suitable for those comfortable with potential rate fluctuations. If your current loan rate exceeds 8%, consider refinancing now to secure lower fixed rates and save on interest costs. Stability in rates offers a reliable opportunity to optimize your education financing strategy.

Franklin Mint

As of July 30, 2025, Franklin Mint’s refinance student loan rates remain steady, with the Variable Rate at 4.53% APR and the Fixed Rate at 4.54% APR, unchanged over the past week. These competitive rates offer excellent options for borrowers looking to lower their payments or simplify debt. If your current student loan rate exceeds 8%, refinancing with Franklin Mint’s stable rates could save you money over time. Staying informed on these consistent rates helps parents and students make confident financial decisions for education funding.

Cyprus

As of July 30, 2025, Cyprus Credit Union’s refinance student loan rates remain steady with the Variable Rate at 4.53% APR and the Fixed Rate at 4.54% APR, unchanged over the past week. These competitive rates offer excellent opportunities for borrowers seeking to lower their interest costs. If your current student loan rate exceeds 8%, refinancing with Cyprus could significantly reduce your payments and save money over time. Both variable and fixed refinance options provide affordable paths to manage education debt more effectively.

Soarion Credit Union

Soarion Credit Union’s Student Loan Refinance (fixed) and variable rates remain steady at 4.60% APR and 5.75% APR, respectively, with no changes in the past 30 days. The fixed refinance option offers the most competitive rate, ideal for borrowers seeking stability. If your current loan rate exceeds 8%, refinancing with Soarion could lower your monthly payments and save on interest over time. Steady rates mean now is a good time to evaluate refinancing options without worrying about rising costs.

Baxter

As of July 30, 2025, Baxter's refinance student loan rates remain steady across all products. The Medical Degree Refi (fixed) leads with the most competitive rate at 4.80% APR, unchanged over 30 days. The Student Loan Refinance (variable) holds a consistent 4.89% APR, while the Student Loan Refinance (fixed) stays fixed at 6.30% APR. With rates stable, borrowers paying above 8% should consider refinancing now to secure these lower, reliable rates and potentially reduce monthly payments. Stability in rates offers a great opportunity to lock in affordable financing options for education costs.

Navy Federal Credit Union

As of July 30, 2025, Navy Federal Credit Union’s Student and Parent Refinance Loans hold steady with competitive fixed rates at 4.85% APR and variable rates slightly decreased to 5.22% APR, down from 5.24% thirty days ago. Fixed refinance loans remain consistently affordable, making them ideal for borrowers with rates above 8%. The slight drop in variable rates suggests potential savings if you prefer flexibility. Consider refinancing now to lock in these low, stable rates and reduce your student loan costs effectively.

LendMesh

No one teaches you how to choose the right student loan—but LendMesh makes it easier to learn. Compare lenders, explore repayment strategies, and borrow with confidence. Begin your smart borrowing journey now at https://www.lendmesh.com/loans/student_loans .

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Conclusion

With rates holding steady across most credit unions this week, now could be an ideal time for eligible borrowers to lock in low fixed rates, especially if you prefer predictable monthly payments. Even small APR differences can translate into substantial savings over the life of your loan—so don’t overlook fractional changes when comparing offers. Students nearing graduation or parents planning ahead should carefully review refinancing terms that match their financial goals and timelines. If your current rate is above the ranges highlighted today, consider reaching out to these credit unions soon—securing a lower rate might improve your budget and reduce long-term interest costs. As always, keep an eye on future updates for any shifts in variable rates that could affect your payments down the line. Taking proactive steps now can help maximize your financial confidence as you navigate student debt repayment or refinancing opportunities ahead.