September 19, 2025: Student Loan Rates Hold Steady at 2.65% Fixed for Undergrads & Parents

As of September 19, 2025, students and parents exploring student loan options have several standout choices to consider. The most attractive rates today include fixed undergraduate loans at 4.45% APR from Pioneer Credit Union, offering stability for those beginning their academic journey. Graduate students can benefit from variable rates as low as 5.15% APR through Horizon Community Credit Union, providing flexibility that may save money if rates trend downward. Parents looking to support their children have access to competitive fixed Parent PLUS loans starting at 6.35% APR with Summit Financial Credit Union, a solid option for managing education costs responsibly. Notably, some credit unions saw slight shifts this week, such as a 0.10% decrease in the graduate variable APR at Liberty Federal, signaling a subtle but positive change for borrowers weighing variable-rate programs. Whether you’re just starting college or planning ahead for graduate expenses, today’s best programs combine affordability and tailored terms designed to meet diverse financial needs.