Introduction
As of August 27, 2025, students, parents, and graduates exploring student loan refinancing options have some strong choices to consider. For those seeking the lowest fixed rates, Lake Trust Credit Union offers standout programs starting as low as 3.90% APR for both standard student loan refinance and nursing loan refinance options—making it one of the most competitive fixed-rate options available today. Navigant Credit Union also presents attractive fixed-rate refinancing with terms ranging from 3.99% to 8.99% APR depending on the repayment length, perfect for borrowers looking for flexibility over 5, 10, or 15 years. If you prefer variable rates, Cyprus and Franklin Mint credit unions both offer steady rates at around 4.54% APR that have remained stable over the past month. For specialized nursing loans or medical degree refinancing, Together and Baxter credit unions provide a variety of fixed and variable rate options tailored to healthcare professionals. Overall, today's data highlights great opportunities to secure competitive rates with trusted credit unions—whether you’re refinancing an undergraduate loan or a professional degree debt.
Refinance - Student Loans
Credit Union
Product
2025-08-27
(Current Day)
(Current Day)
2025-08-20
(7 Days Ago)
(7 Days Ago)
2025-08-12
(15 Days Ago)
(15 Days Ago)
2025-07-28
(30 Days Ago)
(30 Days Ago)
2025-07-13
(45 Days Ago)
(45 Days Ago)
2025-06-28
(60 Days Ago)
(60 Days Ago)
2025-05-29
(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
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
3.90 - 11.50
Navigant
5-Year | 60 Payments (fixed) [Refinance]
3.99 - 7.89
3.99 - 7.89
Navigant
10-Year | 120 Payments (fixed) [Refinance]
4.74 - 7.99
4.74 - 7.99
Navigant
15-Year | 180 Payments (fixed) [Refinance]
4.99 - 8.04
4.99 - 8.04
Navigant
Pay Later 15-Year | 180 Payments (fixed) [Refinance]
5.99 - 8.99
5.99 - 8.99
Lighthouse
EdvestinU Refinance Loan (fixed) [Refinance]
4.15 - 9.31
Soarion Credit Union
Refinance Student Loan (fixed) [Refinance]
4.24
Soarion Credit Union
Refinance Student Loan (variable) [Refinance]
5.75
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
7.08 - 9.50
7.08 - 9.50
Georgias Own
Fixed Rates (fixed) [Refinance]
4.50 - 7.00
4.50 - 7.00
Georgias Own
Variable Rates (variable) [Refinance]
7.75 - 9.75
7.75 - 9.75
Cyprus
Variable Rate (variable) [Refinance]
4.54
4.54
4.54
4.53▼ 1 bps
Cyprus
Fixed Rate (fixed) [Refinance]
4.54
4.54
4.54
4.54
Franklin Mint
Variable Rate (variable) [Refinance]
4.54
4.54
4.54
4.53▼ 1 bps
Franklin Mint
Fixed Rate (fixed) [Refinance]
4.54
4.54
4.54
4.54
Baxter
Medical Degree Refi (fixed) [Refinance]
4.80
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
4.89
Baxter
Student Loan Refinance (fixed) [Refinance]
6.30
6.30
6.30
6.30
6.30
6.30
Lake Trust
As of August 27, 2025, Lake Trust’s Student Loan Refinance (fixed) rates remain steady at 3.90% - 9.75%, showing no change over the past 30 days. Similarly, the Nursing Loan Refinance (fixed) holds firm at 3.90% - 11.50% with no recent shifts. The consistent low starting APR of 3.90% makes these refinance options highly competitive for borrowers seeking to lower their payments or simplify loans. Consider refinancing if your current rate exceeds 8%, as locking in a fixed rate now could provide long-term savings and payment stability.
Navigant
As of August 27, 2025, Navigant’s refinance student loan rates remain steady, with no changes in the past 7 days. The most competitive option is the 5-Year Refinance at 3.99% - 7.89% APR, ideal for borrowers seeking lower rates and quicker payoff. Longer terms like the 10-Year (4.74% - 7.99%) and 15-Year (4.99% - 8.04%) offer fixed payments with slightly higher rates. The Pay Later 15-Year Refinance starts at 5.99% APR, reflecting a premium for deferred payments. Consider refinancing if your current rate exceeds 8% to potentially save on interest over time.
Lighthouse
As of August 27, 2025, Lighthouse’s EdvestinU Refinance Loan offers competitive fixed rates ranging from 4.15% to 9.31% APR. Since this is a new listing with no prior data, rate trends are unavailable. With rates starting as low as 4.15%, borrowers with current loans above 8% should strongly consider refinancing to potentially lower monthly payments and save on interest. This product remains a top choice for those seeking affordable refinance options backed by Lighthouse’s commitment to education financing. Keep an eye on future updates for rate movements and opportunities to lock in the best terms.
Soarion Credit Union
As of August 27, 2025, Soarion Credit Union's Refinance Student Loan rates offer competitive options for borrowers. The fixed refinance loan APR stands at 4.24%, while the variable refinance loan APR is 5.75%—both new offerings without prior rate history to compare. These rates are notably low in today’s market, making refinancing an attractive option. If your current student loan rate exceeds 8%, consider refinancing with Soarion to potentially save on interest costs. Choosing between fixed and variable depends on your risk tolerance and financial goals, but both provide affordable pathways to manage education debt effectively.
Together
As of August 27, 2025, Together’s refinance student loan rates are newly available with fixed APRs ranging from 4.24% to 11.74% and variable rates between 5.74% and 12.74%. The Nursing Loan Refinance (fixed) at 4.24% APR offers the most competitive starting rate, ideal for borrowers aiming to lower costs. Since these are new listings, no rate trends exist yet, but consider refinancing if your current rate exceeds 8% to potentially save on interest. Stay tuned for updates as these affordable options could enhance your education financing strategy.
State Employees CU Of Maryland Inc
As of August 27, 2025, the Student Loan Refinance (fixed) [Refinance] rates at State Employees CU Of Maryland Inc remain steady at 7.08% to 9.50% APR, showing no changes over the past 30 days. This stability offers borrowers a reliable refinancing option. If your current student loan rate exceeds 8%, consider refinancing now to potentially lower your monthly payments and save on interest. With no rate increases recently, this product remains a competitive choice for those seeking affordable education financing through refinance loans.
Georgias Own
As of August 27, 2025, Georgias Own Fixed Rates (Refinance) remain steady at 4.50% - 7.00%, offering the most competitive option for borrowers seeking predictable payments. Meanwhile, Variable Rates (Refinance) hold firm at 7.75% - 9.75% with no recent changes. If your current student loan rate exceeds 8%, consider refinancing with Georgias Own’s fixed-rate loans to secure lower, stable payments and potential savings over time. Staying informed about these steady rates can help you make smarter decisions on managing education debt effectively.
Cyprus
As of August 27, 2025, Cyprus Credit Union’s refinance student loan rates remain steady, with both Variable Rate and Fixed Rate products at a competitive 4.54% APR. The variable rate is unchanged over the past 30 days, while the fixed rate holds firm without any increase. These consistent low rates make refinancing an excellent option for borrowers currently paying above 8%. Consider refinancing to lock in these stable, affordable rates and potentially reduce your monthly payments or overall interest costs.
Franklin Mint
As of August 27, 2025, Franklin Mint’s refinance student loan rates remain steady with both Variable Rate and Fixed Rate products at 4.54% APR, showing virtually no change over the past 30 days. These competitive low rates offer a strong option for borrowers looking to lower their payments or simplify debt. If your current student loan rate exceeds 8%, refinancing with Franklin Mint could provide significant savings. Staying informed on these stable, affordable rates helps students and parents make confident financing decisions for education costs.
Baxter
As of August 27, 2025, Baxter’s refinance student loan rates remain steady with no changes over the past 30 days. The Medical Degree Refi (fixed) offers the most competitive rate at 4.80% APR, followed closely by the Student Loan Refinance (variable) at 4.89% APR. The fixed-rate refinance option stands at 6.30% APR. If your current loan rate exceeds 6%, considering refinancing with Baxter could lower your payments and save interest costs. Stability in rates means borrowers can plan confidently without worrying about sudden increases in refinance APRs.
LendMesh
You shouldn’t have to choose between your education and your finances. At LendMesh, we help you borrow smarter—with comparison tools that bring transparency to student loans. Take charge of your financial future at https://www.lendmesh.com/loans/student_loans .
Conclusion
With interest rates holding steady across most credit unions this month, now is a smart time for borrowers to evaluate their refinancing options carefully. If you’re aiming to reduce your monthly payments or shorten your loan term, consider locking in a fixed-rate refinance from lenders like Lake Trust or Navigant, where low APRs can translate into significant long-term savings. Even small changes in APR matter—dropping just a fraction of a percent can save hundreds over the life of your loan. Parents co-signing or paying off graduate loans should pay attention to stable variable rates at Cyprus and Franklin Mint if they want potential rate flexibility without sudden spikes. To make the most of these offers, gather your financial documents early and start pre-qualification processes soon—waiting too long might mean missing out on today’s best rates as markets shift. Remember, understanding your personal financial goals and comparing multiple credit union programs will help ensure you choose the right fit for your unique situation.