Introduction

As of August 13, 2025, students, parents, and graduates looking to refinance their student loans have several strong options to consider. If you’re hunting for the lowest fixed rates, Lake Trust Credit Union’s Student Loan Refinance program stands out with rates starting as low as 3.90% APR, making it an excellent choice for borrowers seeking stability and savings. For those interested in variable rates, Cyprus and Franklin Mint Credit Unions both offer competitive variable refinancing starting at 4.54% APR, providing flexibility that could benefit borrowers expecting future rate drops. Nursing professionals also have tailored refinancing options with Lake Trust and Together Credit Unions offering fixed rates from 3.90% up to 10.74% APR, designed specifically for medical degree holders. While most credit unions maintained steady rates over the past month, Soarion Credit Union’s fixed student loan refinance rate recently dipped slightly to 4.24%, presenting a timely opportunity for refinancing. Overall, today’s landscape offers a variety of competitive programs—whether you prefer fixed or variable terms—across multiple credit unions dedicated to helping families manage education costs more affordably.

Refinance - Student Loans

Credit Union
Product
2025-08-13
(Current Day)
2025-08-06
(7 Days Ago)
2025-07-29
(15 Days Ago)
2025-07-14
(30 Days Ago)
2025-06-29
(45 Days Ago)
2025-05-15
(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
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
4.24
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
4.24 - 10.74
Together
Student Loan Refinance (fixed) [Refinance]
4.99 - 11.74
4.99 - 11.74
Together
Nursing Loan Refinance (variable) [Refinance]
5.74 - 11.99
5.74 - 11.99
Together
Student Loan Refinance (variable) [Refinance]
6.24 - 12.74
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
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
Cyprus
Variable Rate (variable) [Refinance]
4.54
4.53▼ 1 bps
4.53▼ 1 bps
Cyprus
Fixed Rate (fixed) [Refinance]
4.54
4.54
4.54
Franklin Mint
Variable Rate (variable) [Refinance]
4.54
4.53▼ 1 bps
4.53▼ 1 bps
Franklin Mint
Fixed Rate (fixed) [Refinance]
4.54
4.54
4.54
Baxter
Medical Degree Refi (fixed) [Refinance]
4.80
4.80
4.80
4.80
4.80
Baxter
Student Loan Refinance (variable) [Refinance]
4.89
4.89
4.89
4.89
4.89
Baxter
Student Loan Refinance (fixed) [Refinance]
6.30
6.30
6.30
6.30
6.30

Lake Trust

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. These consistent rates make Lake Trust’s refinance options competitive for borrowers seeking stable, affordable terms. If your current student loan rate exceeds 8%, refinancing with Lake Trust could lower your payments and save money over time. Staying informed on these fixed rates helps you plan smarter education financing with confidence.

Navigant

As of August 13, 2025, Navigant’s Student Loan Refinancing (fixed) rates remain steady at 5.99% to 8.99%, unchanged over the past 7 days with no available data for earlier periods. This stable range offers a competitive option for borrowers seeking to lower their interest costs. If your current student loan rate exceeds 8%, refinancing with Navigant could help reduce your monthly payments and overall interest paid. Keeping an eye on these fixed rates can provide long-term savings and financial predictability for both students and parents.

Lighthouse

As of August 13, 2025, the Lighthouse EdvestinU Refinance Loan (fixed) maintains steady rates between 4.15% and 9.31% APR, unchanged over the past 30 days. This consistency makes it a reliable option for borrowers seeking predictable payments. With no recent rate increases, consider refinancing if your current student loan rate exceeds 8% to potentially lower your interest costs. The fixed-rate range remains competitive among refinance products, offering flexibility whether you qualify for lower or higher-tier rates. Staying informed on stable rates like these can help students and parents make smarter financing decisions.

Soarion Credit Union

As of August 13, 2025, Soarion Credit Union’s Student Loan Refinance fixed rate holds steady at 4.24%, down from 4.60% fifteen and thirty days ago—a notable 36 bps drop over the past month. Meanwhile, the variable refinance rate remains consistent at 5.75% with no changes in the last 30 days. For borrowers with rates above 8%, refinancing with Soarion’s competitive fixed rate could significantly reduce payments. The fixed option offers the lowest APR, making it an excellent choice for those seeking predictable monthly costs and long-term savings.

Together

As of August 13, 2025, Together’s refinance student loan rates remain steady with no changes over the past week. The Nursing Loan Refinance (fixed) offers the most competitive starting APR at 4.24%, while the Student Loan Refinance (fixed) starts at a slightly higher 4.99%. Variable rate options range from 5.74% to 12.74% depending on the program. If your current rate exceeds 8%, refinancing with Together could lower your payments and save interest over time. Stable rates today mean it’s a good moment to explore fixed or variable refinance options tailored to your needs.

State Employees CU Of Maryland Inc

As of August 13, 2025, State Employees CU Of Maryland Inc maintains steady Student Loan Refinance (fixed) rates at 7.08% - 9.50%, unchanged over the past 30 days. This consistent range offers stability for borrowers seeking to lower costs. If your current student loan rate exceeds 8%, refinancing here could provide meaningful savings with competitive fixed APRs starting just above 7%. Staying informed on these stable rates helps you make confident decisions about managing education debt efficiently.

Georgia S Own

As of August 13, 2025, Georgia S Own’s refinance student loan rates remain steady with no changes over the past 30 days. Their Fixed Rates range from 4.50% to 7.00% APR, offering the most competitive option for borrowers seeking predictable payments. Meanwhile, Variable Rates hold at 7.75% to 9.75% APR, suitable for those comfortable with potential fluctuations. If your current loan rate exceeds 8%, refinancing with Georgia S Own’s fixed program could lower your costs and provide stability. Staying informed on these stable rates helps students and parents make confident education financing decisions.

Cyprus

As of August 13, 2025, Cyprus Credit Union’s refinance student loan rates remain steady. Both the Variable Rate and Fixed Rate Refinance loans hold at a competitive 4.54% APR, with minimal changes over the past 15 days. These consistent rates make Cyprus an excellent option for borrowers seeking affordable refinancing options. If your current student loan APR exceeds 8%, refinancing now could significantly reduce your interest costs. With stable and low rates, Cyprus helps students and parents manage education debt more effectively through transparent, budget-friendly terms.

Franklin Mint

As of August 13, 2025, Franklin Mint’s refinance student loan rates remain steady. Both the Variable Rate Refinance and Fixed Rate Refinance loans hold at 4.54% APR, showing no significant change over the past 15 days. These competitive rates are ideal for borrowers seeking to lower their payments or simplify debt. If your current student loan rate exceeds 8%, refinancing with Franklin Mint could significantly reduce your interest costs. Staying informed on these stable rates helps you make smart financial decisions for education financing.

Baxter

As of August 13, 2025, Baxter’s refinance student loan rates remain steady with no changes over the past 30 days. The Medical Degree Refi (fixed) leads with a competitive 4.80% APR, followed closely by the Student Loan Refinance (variable) at 4.89% APR. For borrowers seeking stability, the Student Loan Refinance (fixed) offers a consistent 6.30% APR. If your current rate exceeds 8%, refinancing with Baxter could lower your payments significantly. These stable rates provide an excellent opportunity for medical professionals and general borrowers to optimize their education financing today.

LendMesh

Not all lenders look out for your long-term future—but LendMesh partners do. We work with credit unions and trusted banks to provide student loan options that are flexible, fair, and built for real life. Explore offers now at https://www.lendmesh.com/loans/student_loans .

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Conclusion

With interest rates holding relatively steady this month, now is a smart time for borrowers who value predictability to consider locking in fixed-rate refinancing options, especially those offered by Lake Trust and Soarion Credit Unions with some of the lowest APRs available. Even small shifts in APR—like the minor decrease seen at Soarion—can translate into meaningful savings over the life of your loan. Variable-rate programs remain attractive for borrowers comfortable with potential fluctuations and looking to capitalize on any future rate declines; Cyprus and Franklin Mint offer solid choices here. Parents co-signing or refinancing should carefully evaluate these offerings alongside their financial goals. As always, be sure to review eligibility requirements and terms closely before committing. For anyone weighing their next move, taking action sooner rather than later can lock in favorable rates before market changes occur—a step that could ease your financial journey through college funding and beyond.