August 22, 2025: Lowest Student Loans from 2.89% Fixed for All Levels

As of August 22, 2025, college students, parents, and graduates looking for student loan financing have some promising options to consider. If you’re seeking the lowest fixed APRs, Ascent Funding Credit Union leads with rates starting as low as 2.89% on a variety of fixed-rate programs. For those who prefer variable rates, several credit unions including Achieva, Affinity, and American Heritage offer competitive variable APRs beginning around 4.37%. Notably, undergraduate fixed loans from multiple credit unions like Achieva and Affinity also start at a strong 2.89%, giving students affordable access to funding for tuition or career training. While many rates remain steady with no significant weekly or monthly shifts reported, the consistently low starting points across credit unions provide excellent opportunities for borrowers to secure favorable terms today. Whether you’re pursuing medical school, law school, or undergraduate studies, these competitive rates can help ease the financial journey ahead.