Introduction
As of August 6, 2025, students and parents exploring refinancing options have some compelling opportunities to consider. The lowest fixed rates available today start at an attractive 3.90%, offered by Lake Trust Credit Union for both their Student Loan Refinance and Nursing Loan Refinance programs. These rates remain steady with no changes over the past month, providing reliable options for borrowers seeking stability. For those open to variable rates, Soarion Credit Union offers a competitive 5.75% on their Student Loan Refinance program, maintaining consistency from previous weeks. Navigant’s fixed refinancing program starts slightly higher at 5.99%, but it could appeal to borrowers looking for a straightforward option with clear terms. Whether you’re a recent graduate aiming to lower monthly payments or a parent looking to ease financial burdens, today’s best choices combine low entry points with solid credit union reputations—giving you room to find the perfect fit for your unique needs.
Refinance - Student Loans
Credit Union
Product
2025-08-06
(Current Day)
(Current Day)
2025-07-30
(7 Days Ago)
(7 Days Ago)
2025-07-22
(15 Days Ago)
(15 Days Ago)
2025-07-07
(30 Days Ago)
(30 Days Ago)
2025-06-22
(45 Days Ago)
(45 Days Ago)
2025-05-08
(90 Days Ago)
(90 Days Ago)
Lake Trust
Student Loan Refinance (fixed) [Refinance]
3.90 - 9.75
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
3.90 - 11.50
Navigant
Student Loan Refinancing (fixed) [Refinance]
5.99 - 8.99
Lighthouse
EdvestinU Refinance Loan (fixed) [Refinance]
4.15 - 9.31
4.15 - 9.31
4.15 - 9.31
Soarion Credit Union
Student Loan Refinance (fixed) [Refinance]
4.24
4.60▲ 36 bps
4.60▲ 36 bps
4.60▲ 36 bps
5.10▲ 86 bps
Soarion Credit Union
Student Loan Refinance (variable) [Refinance]
5.75
5.75
5.75
5.75
6.24▲ 49 bps
Together
Nursing Loan Refinance (fixed) [Refinance]
4.24 - 10.74
Together
Student Loan Refinance (fixed) [Refinance]
4.99 - 11.74
Together
Nursing Loan Refinance (variable) [Refinance]
5.74 - 11.99
Together
Student Loan Refinance (variable) [Refinance]
6.24 - 12.74
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
4.50 - 7.00
Georgia S Own
Variable Rates (variable) [Refinance]
7.75 - 9.75
7.75 - 9.75
7.75 - 9.75
7.75 - 9.75
Franklin Mint
Variable Rate (variable) [Refinance]
4.53
4.53
4.53
Franklin Mint
Fixed Rate (fixed) [Refinance]
4.54
4.54
4.54
Cyprus
Variable Rate (variable) [Refinance]
4.53
4.53
4.53
Cyprus
Fixed Rate (fixed) [Refinance]
4.54
4.54
4.54
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
Lake Trust
As of August 6, 2025, Lake Trust’s Student Loan Refinance (fixed) rates remain steady at 3.90% - 9.75% APR, showing no change over the past 30 days. Similarly, the Nursing Loan Refinance (fixed) offers rates between 3.90% and 11.50% APR, also unchanged this month. These stable rates provide a reliable option for borrowers looking to lower their payments. Consider refinancing if your current rate exceeds 8%, as Lake Trust’s competitive fixed APRs could save you money over time. With consistent pricing, now is a good time to evaluate your refinancing options for better financial control.
Navigant
Navigant’s Student Loan Refinancing (fixed) rates are currently 5.99% - 8.99% APR, offering a competitive option for borrowers seeking to lower their payments. Since no prior data is available, recent rate trends can’t be confirmed, but these fixed rates remain attractive. If your current student loan interest exceeds 8%, consider refinancing with Navigant to potentially reduce your costs and simplify payments. This product stands out for its balance of low fixed rates, making it a practical choice for students and parents aiming to manage education debt more affordably.
Lighthouse
As of August 6, 2025, Lighthouse’s EdvestinU Refinance Loan (fixed) maintains a steady APR range of 4.15% to 9.31%, with no changes over the past 7, 15, or 30 days. This consistent rate offers a reliable option for borrowers seeking predictable payments. With rates starting as low as 4.15%, this refinance product remains competitive in today’s market. Consider refinancing if your current student loan rate exceeds 8% to potentially lower your monthly payments and save on interest over time.
Soarion Credit Union
This week at Soarion Credit Union, the Student Loan Refinance (fixed) rate dropped notably to 4.24%, down from 4.60% over the past 7, 15, and 30 days—a significant improvement for borrowers seeking stability. The Student Loan Refinance (variable) rate remains steady at 5.75% with no changes in the last month. Fixed refinance rates offer the most competitive option today, especially if your current loan exceeds 8%. Consider refinancing now to lock in these lower fixed rates and save on interest costs over time.
Together
As of August 6, 2025, Together’s refinance student loan rates are newly available with no prior data for comparison. The Nursing Loan Refinance (fixed) offers the lowest starting APR at 4.24%, making it the most competitive option for healthcare professionals. For broader refinancing, the Student Loan Refinance (fixed) ranges from 4.99% to 11.74%, while variable options start slightly higher. Borrowers with current rates above 8% should consider refinancing now to potentially lower payments and save on interest. Keep an eye on these products as rate trends develop in coming weeks for better timing decisions.
State Employees CU Of Maryland Inc
As of August 6, 2025, State Employees CU Of Maryland Inc’s Student Loan Refinance (fixed) rates remain steady at 7.08% to 9.50% APR, showing no change over the past 30 days. This consistent range offers borrowers predictable refinancing options. If your current loan rate exceeds 8%, consider refinancing now to potentially lower your payments with these competitive fixed rates. Stability in these rates provides confidence for planning your education financing without worrying about sudden increases.
Georgia S Own
As of August 6, 2025, Georgia S Own’s refinance student loan rates remain steady with Fixed Rates at 4.50% - 7.00% and Variable Rates at 7.75% - 9.75%, unchanged over the past 30 days. The fixed-rate refinance offers the most competitive APRs, ideal for borrowers seeking predictable payments. If your current loan rate exceeds 8%, consider refinancing to lock in a lower fixed rate and reduce interest costs. Stability in these rates provides confidence for students and parents planning education financing with transparent, affordable options.
Franklin Mint
As of August 6, 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 30 days. These competitive rates offer strong options for borrowers seeking to lower high-interest debt. If your current student loan rate exceeds 8%, refinancing with Franklin Mint could significantly reduce your payments. Both fixed and variable refinance loans provide affordable solutions without recent rate increases, making now an ideal time to explore refinancing opportunities.
Cyprus
As of August 6, 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 30 days. These competitive rates offer excellent opportunities for borrowers looking to lower their payments or simplify debt. If your current student loan rate exceeds 8%, refinancing with Cyprus could significantly reduce your interest costs. Both variable and fixed options provide stability and affordability for students and parents seeking manageable education financing solutions.
Baxter
As of August 6, 2025, Baxter’s refinance student loan rates remain steady across all products. The Medical Degree Refi (fixed) leads with a competitive 4.80% APR, unchanged over the past 30 days. Both Student Loan Refinance variable and fixed rates hold firm at 4.89% and 6.30% APR, respectively. With no recent rate increases, borrowers paying above 8% should strongly consider refinancing to take advantage of these low, stable rates. Baxter’s consistent pricing offers reliable options for students and parents seeking affordable education financing through refinancing.
LendMesh
Whether you’re in school or already graduated, refinancing your student loan could mean lower monthly payments or better terms. At LendMesh, we help you explore refinance options that fit your future—not your past. See what you could save at https://www.lendmesh.com/loans/student_loans .
Conclusion
With rates holding steady across most credit unions this week, now is an ideal time for borrowers who qualify to consider locking in fixed-rate refinance loans, especially those starting near that low 3.90% mark at Lake Trust. Even small APR differences can add up significantly over the life of a loan, so acting on these stable rates could save hundreds or even thousands in interest payments down the road. Variable-rate loans may offer flexibility but come with more risk if market rates rise—something to weigh carefully based on your financial situation and future plans. Students and parents should review their current loan terms and compare them against today’s offerings; refinancing can unlock better repayment terms or reduce monthly stress. Remember, checking eligibility early and preparing your documents now can position you to act quickly when the right rate appears—a smart move in an ever-changing lending landscape.