Introduction
As of September 3, 2025, students and parents exploring student loan refinancing have several strong options to consider. For those seeking the lowest fixed rates, Merrimack Valley Credit Union leads the way with rates starting as low as 3.75% for refinance loans—an excellent choice for borrowers looking to lock in stability. Variable rates at Merrimack Valley begin at a competitive 6.00%, giving flexibility for those comfortable with some rate fluctuations. Other notable fixed-rate programs include Lake Trust and Navigant Credit Union, offering ranges from around 3.90% up to mid-8% territory, depending on term lengths and loan types like nursing refinances. If you prefer a straightforward fixed rate, 4Front and Soarion Credit Union offer flat fixed rates at 4.24%, which might appeal to borrowers wanting simplicity without a range of options. Whether you’re a recent graduate or a parent helping finance higher education, today’s data highlights multiple paths to potentially lower your interest burden with credit unions known for member-friendly terms.
Refinance - Student Loans
Credit Union
Product
2025-09-03
(Current Day)
(Current Day)
2025-08-27
(7 Days Ago)
(7 Days Ago)
2025-08-19
(15 Days Ago)
(15 Days Ago)
2025-08-04
(30 Days Ago)
(30 Days Ago)
2025-07-20
(45 Days Ago)
(45 Days Ago)
2025-07-05
(60 Days Ago)
(60 Days Ago)
Merrimack Valley
Fixed Rates (fixed) [Refinance]
3.75 - 8.75
Merrimack Valley
Variable Rates (variable) [Refinance]
6.00 - 11.50
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
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
3.90 - 11.50
Navigant
5-Year | 60 Payments (fixed) [Refinance]
3.99 - 7.89
3.99 - 7.89
3.99 - 7.89
Navigant
10-Year | 120 Payments (fixed) [Refinance]
4.74 - 7.99
4.74 - 7.99
4.74 - 7.99
Navigant
15-Year | 180 Payments (fixed) [Refinance]
4.99 - 8.04
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
5.99 - 8.99
Lighthouse
EdvestinU Refinance Loan (fixed) [Refinance]
4.15 - 9.31
4.15 - 9.31
St Marys Bank
EdvestinU Refinance Loan (fixed) [Refinance]
4.15 - 9.31
4Front
Refinance Student Loan (fixed) [Refinance]
4.24
4Front
Refinance Student Loan (variable) [Refinance]
5.75
Soarion Credit Union
Refinance Student Loan (fixed) [Refinance]
4.24
4.24
Soarion Credit Union
Refinance Student Loan (variable) [Refinance]
5.75
5.75
Together
Nursing Loan Refinance Fixed Rates (fixed) [Refinance]
4.24 - 10.74
4.24 - 10.74
Together
Refinance Fixed Rates (fixed) [Refinance]
4.99 - 11.74
Together
Nursing Loan Refinance Variable Rates (variable) [Refinance]
5.74 - 11.99
5.74 - 11.99
Together
Refinance Variable Rates (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
4.50 - 7.00
Georgias Own
Variable Rates (variable) [Refinance]
7.75 - 9.75
7.75 - 9.75
7.75 - 9.75
Merrimack Valley
As of September 3, 2025, Merrimack Valley’s refinance student loan rates remain steady with Fixed Rates ranging from 3.75% to 8.75% and Variable Rates between 6.00% and 11.50%. With no rate changes in the past month, the fixed-rate option offers the most competitive low-end APR at 3.75%, ideal for borrowers seeking stability. If your current loan rate exceeds 8%, consider refinancing now to lock in a lower fixed rate and reduce long-term costs. Variable rates may suit those expecting to pay off loans quickly but come with higher upper limits—evaluate your repayment timeline carefully.
Lake Trust
As of September 3, 2025, Lake Trust’s Student Loan Refinance (fixed) rates remain steady at 3.90% - 9.75% APR, unchanged over the past 30 days. Similarly, the Nursing Loan Refinance (fixed) offers a consistent range of 3.90% - 11.50% APR with no recent shifts. The lowest rates at 3.90% make refinancing an attractive option for borrowers seeking to lower high-interest debt. If your current student loan rate exceeds 8%, consider refinancing with Lake Trust to potentially save on interest and simplify payments. Stable rates provide predictable budgeting for families planning education financing.
Navigant
This week at Navigant, refinance rates remain steady across all products with no changes over the past 30 days. The most competitive option is the 5-Year Refinance (3.99% - 7.89% APR), offering the lowest starting rate for borrowers seeking shorter terms. For longer repayment plans, the 10-Year and 15-Year Refinance products hold firm at 4.74% - 7.99% APR and 4.99% - 8.04% APR, respectively. The Pay Later 15-Year Refinance stands at 5.99% - 8.99% APR, suitable for those needing deferred payments. Consider refinancing if your current rate exceeds 8% to secure better terms and save on interest costs.
Lighthouse
As of September 3, 2025, Lighthouse’s EdvestinU Refinance Loan (fixed) rates remain steady at 4.15% - 9.31% APR, unchanged over the past 7 days. This consistent range offers a competitive option for borrowers seeking to lower their interest costs. If your current student loan rate exceeds 8%, consider refinancing with Lighthouse to potentially reduce your payments and save over time. Stability in these rates provides confidence for families planning education financing without unexpected increases. Stay informed as refinancing can be a smart move to manage debt more effectively.
St Marys Bank
As of September 3, 2025, St Marys Bank’s EdvestinU Refinance Loan offers competitive fixed rates ranging from 4.15% to 9.31% APR. Since this is the first available data point, there are no rate changes to report over the past 7, 15, or 30 days. For borrowers with existing student loans above 8% APR, refinancing with St Marys Bank could provide meaningful savings through these affordable fixed rates. EdvestinU Refinance Loan remains a strong option for students and parents seeking lower, stable payments on education debt.
4Front
As of September 3, 2025, 4Front’s Refinance Student Loan rates are now available with a fixed APR of 4.24% and a variable APR of 5.75%. Since these are newly listed rates, no prior trend data exists. The fixed refinance loan offers the most competitive rate, ideal for borrowers seeking predictable payments. Consider refinancing if your current student loan rate exceeds 8%, as locking in a lower fixed rate could significantly reduce your repayment costs. Variable rates may suit those comfortable with fluctuating payments but currently carry a higher APR than fixed options.
Soarion Credit Union
As of September 3, 2025, Soarion Credit Union’s Refinance Student Loan rates remain steady, with the fixed rate at 4.24% and the variable rate at 5.75%, unchanged over the past week. These competitive rates offer excellent opportunities for borrowers looking to lower their payments or consolidate debt. If your current student loan APR exceeds 8%, refinancing with Soarion could significantly reduce your interest costs. With no recent rate increases, now is a strong time to consider refinancing for more affordable education financing options.
Together
Together’s refinance student loan rates remain steady this week. The Nursing Loan Refinance Fixed Rates hold at 4.24% - 10.74%, offering the lowest starting APR among options. Variable rates for nursing loans also stay unchanged at 5.74% - 11.99%. Meanwhile, general Refinance Fixed Rates start at 4.99%, and variable rates begin at 6.24%, both stable from last week. If your current rate exceeds 8%, exploring Together’s refinance options could lower your payments and save interest over time. With no recent increases, now is a solid time to consider refinancing through Together’s competitive programs.
State Employees CU Of Maryland Inc
As of September 3, 2025, State Employees CU Of Maryland Inc’s Student Loan Refinance (fixed) rates remain steady at 7.08% to 9.50%, showing no change over the past 30 days. These consistent rates offer predictability for borrowers seeking to lower payments or simplify loans. If your current refinance rate exceeds 8%, exploring this product could help reduce your interest costs. Stability in these competitive APRs provides a reliable option for students and parents aiming to manage education debt effectively.
Georgias Own
As of September 3, 2025, Georgias Own Refinance Fixed Rates remain steady at 4.50% - 7.00%, offering the most competitive fixed APR range for borrowers seeking predictability. Variable rates also hold firm at 7.75% - 9.75%, unchanged over the past 30 days. With no rate increases, now is a solid opportunity to consider refinancing if your current rate exceeds 8%—especially with these stable fixed options. Keeping an eye on Georgias Own’s consistent rates can help students and parents lock in affordable financing tailored to their needs.
LendMesh
School is expensive, but your student loan doesn’t have to be. At LendMesh, we show you options from credit unions and lenders who care about transparency and your long-term success. Start your search at https://www.lendmesh.com/loans/student_loans and get funding that fits your life and your goals.
Conclusion
As interest rates remain steady across most credit unions this month, now is a smart time for borrowers to consider locking in their rates—especially if you qualify for the lowest tiers like Merrimack Valley’s 3.75% fixed refinance loans. Even small APR differences can translate into significant savings over the life of a loan, so don’t overlook opportunities to refinance or consolidate high-interest debt while rates hold firm. Parents and graduates should weigh both fixed and variable options carefully: fixed provides predictability, while variable could save money if rates drop in the future. If you’re nearing graduation or managing existing student debt, start gathering your financial documents today and reach out to your preferred credit union for prequalification details. Acting proactively ensures you capitalize on these competitive offerings before any market shifts occur—keeping your educational finances both manageable and tailored to your unique situation.