Introduction
As of September 17, 2025, college students, parents, and graduates exploring refinancing options have some standout opportunities to consider. The most competitive rates today come from Lake Trust Credit Union, offering fixed-rate student loan refinancing starting as low as 3.90% APR. For those in nursing programs, Lake Trust also extends a specialized refinance option with rates beginning at the same attractive 3.90% fixed APR. If you prefer a broader fixed-rate refinance plan, Lighthouse Credit Union presents solid options starting at 4.15% APR, while Soarion offers both fixed and variable private refinance loans at 4.24% and 5.75% APR, respectively. Parents looking to refinance can explore Navy Federal Credit Union’s fixed and variable programs at competitive rates of 4.85% and 5.22% APR. Meanwhile, Digital Credit Union’s variable student refinance rates range from 6.50% to 11.25% APR, providing flexible terms for diverse financial situations. Whether you’re seeking the lowest fixed rate or variable options that may benefit from market movements, today’s data highlights several strong choices tailored to various needs.
Refinance - Student Loans
Credit Union
Product
2025-09-17
(Current Day)
(Current Day)
2025-09-10
(7 Days Ago)
(7 Days Ago)
2025-09-02
(15 Days Ago)
(15 Days Ago)
2025-08-18
(30 Days Ago)
(30 Days Ago)
2025-08-03
(45 Days Ago)
(45 Days Ago)
2025-07-19
(60 Days Ago)
(60 Days Ago)
2025-06-19
(90 Days Ago)
(90 Days Ago)
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
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
Fixed Rate Student Refinance Loan (fixed) [Refinance]
5.50 - 10.25
7.50 - 12.25▲ 200 bps
7.50 - 12.25▲ 200 bps
Variable Rate Student Refinance Loan (variable) [Refinance]
6.50 - 11.25
6.50 - 11.25
6.50 - 11.25
Y-12 Federal Credit Union Refinance Loan (variable) [Refinance]
5.85 - 11.72
5.85 - 11.72
Y-12 Federal Credit Union Refinance Loan (fixed) [Refinance]
6.34 - 11.72
6.34 - 11.72
LAKE TRUST CREDIT UNION
As of September 17, 2025, LAKE TRUST’s Student Loan Refinance fixed rates remain steady between 3.90% and 9.75% APR, consistent over the past 30 days. Similarly, the Nursing Loan Refinance fixed rates hold at 3.90% to 11.50% APR, showing no recent fluctuation. These competitive low starting rates present a strong option for borrowers seeking lower payments or better terms. Consider refinancing if your current rate exceeds 8%, as these stable offers may reduce interest costs over time. For more details, visit https://laketrust.studentchoice.org/refinance/#rates.
LIGHTHOUSE FEDERAL CREDIT UNION
As of September 17, 2025, LIGHTHOUSE’s Refinance Loan (fixed) offers competitive rates ranging from 4.15% to 9.31% APR. Since this is a new listing with no prior rate data, no trend changes are available. Borrowers with existing loans above 8% should consider refinancing to potentially lower their interest costs. With rates starting at 4.15%, this product provides an attractive option for creditworthy applicants seeking stable payments and improved terms. Evaluate your current loan rates carefully; refinancing makes sense when potential savings exceed any associated fees. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
SOARION FEDERAL CREDIT UNION
As of September 17, 2025, SOARION’s private refinance student loans offer competitive rates with a fixed APR at 4.24% and a variable APR at 5.75%, both newly available with no prior rate history for comparison. The fixed-rate product currently represents the lowest cost option for borrowers seeking predictability. Students and parents should consider refinancing if their existing loans carry rates above 8%, as SOARION’s refinance options provide potential for meaningful interest savings. Evaluate your current loan terms carefully; refinancing is advantageous when expected savings exceed any fees or costs involved. For more details, visit https://www.studentchoice.org/r/soarion/.
FRANKLIN MINT FEDERAL CREDIT UNION
As of September 17, 2025, FRANKLIN MINT’s refinance student loan rates are stable with no historical data for direct comparison. The Fixed Rate Refinance stands at a competitive 4.54% APR, closely matched by the Variable Rate Refinance at 4.56% APR. These rates are notably low in today’s market, making them strong options for borrowers seeking to lower their current debt costs. Consider refinancing if your existing student loan rate exceeds 8%, as these offers could reduce your interest burden and improve repayment terms. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
NAVY FEDERAL CREDIT UNION
As of September 17, 2025, Navy Federal Credit Union's Student and Parent Refinance Loans maintain steady rates with no changes over the past 15 days. The fixed refinance loan APR stands at 4.85%, while the variable refinance loan APR is slightly higher at 5.22%. These remain among the most competitive options for borrowers seeking to lower their student loan costs. If your current student loan rate exceeds 8%, consider refinancing with Navy Federal to potentially reduce interest expenses. For more details, visit https://www.navyfederal.org/loans-cards/student-loans.html,
DIGITAL FEDERAL CREDIT UNION
As of September 17, 2025, DIGITAL’s Fixed Rate Student Refinance Loan shows a notable improvement, with rates dropping from 7.50% - 12.25% a week ago to a more competitive 5.50% - 10.25% today. Meanwhile, the Variable Rate Student Refinance Loan remains steady at 6.50% - 11.25%, unchanged over the past week. For borrowers with current rates above 8%, refinancing with DIGITAL’s fixed option could offer significant savings given the recent rate decline. Consider refinancing if your potential interest reduction outweighs any associated costs. For more details, visit https://www.dcu.org/about/rates.html#:~:text=Student%20Loan%20Refinancing
Y-12 FEDERAL CREDIT UNION
As of September 17, 2025, Y-12 Federal Credit Union’s refinance student loan rates remain steady, with the variable APR range holding at 5.85% to 11.72% and the fixed APR range at 6.34% to 11.72%, unchanged over the past week. These competitive rates offer borrowers options for both variable and fixed repayment plans. Borrowers with current rates above 8% should consider refinancing, as the lower end of these ranges can provide meaningful savings without recent rate increases. Maintaining stable pricing signals consistent market conditions; evaluate your loan terms carefully before refinancing.
LendMesh
Planning ahead for next semester? Don’t wait until tuition is due. LendMesh helps you explore student loan offers now—so you can lock in the best rates before deadlines hit. Compare today at https://www.lendmesh.com/loans/student-loans and stay ahead of the curve.
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Conclusion
For students and parents weighing refinancing now, locking in rates below 4%, like those from Lake Trust, could be a smart move before potential rate fluctuations later this year. Even small APR differences can translate into substantial savings over the life of a loan, especially for larger balances or longer repayment terms. Variable-rate loans might appeal if you anticipate stable or declining interest environments, but fixed rates offer predictability that many find reassuring. Parents refinancing their loans should watch Navy Federal’s steady offerings closely since consistent pricing suggests stability in monthly payments ahead. As you evaluate your options, prioritize lenders with transparent terms and consider prepayment flexibility to maximize your financial freedom. Taking action soon is wise, securing the best possible rate today may ease your long-term financial burden, so gather your documents and reach out for personalized quotes to make an informed choice before market shifts impact rates again.