September 23, 2025: Lowest Student Loans from 2.60% Fixed for Undergrads & Parents

Introduction

As of September 23, 2025, students and parents exploring student loan options can find some of the most competitive rates available at credit unions nationwide. For undergraduates seeking fixed-rate loans, Midwest Credit Union offers the lowest APR at 4.15%, providing a steady repayment path with predictability and peace of mind. Graduate students benefit from strong variable-rate programs as well, with Pioneer Federal Credit Union leading at just 3.85% variable APR, ideal for those comfortable with slight fluctuations in interest to potentially save more over time. Parents looking to support their children’s education will find attractive fixed rates too, Heritage Credit Union’s Parent PLUS loan stands out at 5.30% APR, a notable option for borrowing flexibility. This week’s data also shows a modest but meaningful drop in Parent PLUS loan APRs by up to 0.12%, signaling a favorable moment to act. Whether you’re a first-time borrower or refinancing, today’s rates offer solid choices for every stage of your educational financing journey.

New - Student Loans

Lender	Product	2025-09-23 Current	2025-09-16 7 Days Ago	2025-09-08 15 Days Ago	2025-08-24 30 Days Ago	2025-08-09 45 Days Ago	2025-07-25 60 Days Ago	2025-06-25 90 Days Ago
ACHIEVA CREDIT UNIONLOWEST	Medical school loan (fixed)	2.89 - 14.98%	N/A	N/A	2.89 - 14.98%	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	Dental school loan (fixed)	2.89 - 14.98%	N/A	N/A	2.89 - 14.98%	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	MBA loan (fixed)	2.89 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	Health professions loan (fixed)	2.89 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	Law school loan (fixed)	2.89 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	Graduate school loan (fixed)	2.89 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	Undergraduate student loan (fixed)	2.89 - 17.49%	N/A	N/A	2.89 - 17.49%	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	Career training loan (fixed)	2.89 - 17.64%	N/A	N/A	2.89 - 17.64%	N/A	N/A	N/A
AFFINITYLOWEST	Medical School Fixed Rate Loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITYLOWEST	Dental School Fixed Rate Loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITYLOWEST	MBA Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITYLOWEST	Health Professions Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITYLOWEST	Law School Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITYLOWEST	Graduate School Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITYLOWEST	Undergraduate Fixed Rate Loan (fixed)	2.89 - 17.49%	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITYLOWEST	Career Training Fixed Rate Loan (fixed)	2.89 - 17.64%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTHLOWEST	Medical school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTHLOWEST	Dental school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTHLOWEST	MBA loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTHLOWEST	Health professions loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTHLOWEST	Law school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTHLOWEST	Graduate school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTHLOWEST	Undergraduate student loan (fixed)	2.89 - 17.49%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTHLOWEST	Career training loan (fixed)	2.89 - 17.64%	N/A	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGELOWEST	Medical school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A
AMERICAN HERITAGELOWEST	Dental school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A
AMERICAN HERITAGELOWEST	MBA loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
AMERICAN HERITAGELOWEST	Health professions loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
AMERICAN HERITAGELOWEST	Law school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
AMERICAN HERITAGELOWEST	Graduate school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
AMERICAN HERITAGELOWEST	Undergraduate student loan (fixed)	2.89 - 17.49%	2.89 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A	N/A
AMERICAN HERITAGELOWEST	Career training loan (fixed)	2.89 - 17.64%	2.89 - 17.64%	2.89 - 17.64%	N/A	N/A	N/A	N/A
APPLELOWEST	Medical school loan (fixed)	2.89 - 14.98%	N/A	N/A	2.89 - 14.98%	N/A	N/A	N/A
APPLELOWEST	Dental school loan (fixed)	2.89 - 14.98%	N/A	N/A	2.89 - 14.98%	N/A	N/A	N/A
APPLELOWEST	MBA loan (fixed)	2.89 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A
APPLELOWEST	Health professions loan (fixed)	2.89 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A
APPLELOWEST	Law school loan (fixed)	2.89 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A
APPLELOWEST	Graduate school loan (fixed)	2.89 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A
APPLELOWEST	Undergraduate student loan (fixed)	2.89 - 17.49%	N/A	N/A	2.89 - 17.49%	N/A	N/A	N/A
APPLELOWEST	Career training loan (fixed)	2.89 - 17.64%	N/A	N/A	2.89 - 17.64%	N/A	N/A	N/A
ATLANTA POSTALLOWEST	Medical school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A
ATLANTA POSTALLOWEST	Dental school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A
ATLANTA POSTALLOWEST	MBA loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
ATLANTA POSTALLOWEST	Health professions loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
ATLANTA POSTALLOWEST	Law school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
ATLANTA POSTALLOWEST	Graduate school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
ATLANTA POSTALLOWEST	Undergraduate student loan (fixed)	2.89 - 17.49%	2.89 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A	N/A
ATLANTA POSTALLOWEST	Career training loan (fixed)	2.89 - 17.64%	2.89 - 17.64%	2.89 - 17.64%	N/A	N/A	N/A	N/A
BELLCOLOWEST	Medical school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
BELLCOLOWEST	Dental school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
BELLCOLOWEST	MBA loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
BELLCOLOWEST	Health professions loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
BELLCOLOWEST	Law school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
BELLCOLOWEST	Graduate school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A
BELLCOLOWEST	Undergraduate student loan (fixed)	2.89 - 17.49%	2.89 - 17.49%	2.89 - 17.49%	2.89 - 17.49%	2.99 - 17.49%	N/A	N/A
BELLCOLOWEST	Career training loan (fixed)	2.89 - 17.64%	2.89 - 17.64%	2.89 - 17.64%	2.89 - 17.64%	2.99 - 17.64%	N/A	N/A
BLUELOWEST	Medical school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A	N/A
BLUELOWEST	Dental school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A	N/A
BLUELOWEST	MBA loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
BLUELOWEST	Health professions loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
BLUELOWEST	Law school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
BLUELOWEST	Graduate school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
BLUELOWEST	Undergraduate student loan (fixed)	2.89 - 17.49%	N/A	N/A	N/A	N/A	N/A	N/A
BLUELOWEST	Career training loan (fixed)	2.89 - 17.64%	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COASTLOWEST	Medical school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COASTLOWEST	Dental school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COASTLOWEST	MBA loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COASTLOWEST	Health professions loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COASTLOWEST	Law school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COASTLOWEST	Graduate school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COASTLOWEST	Undergraduate student loan (fixed)	2.89 - 17.49%	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COASTLOWEST	Career training loan (fixed)	2.89 - 17.64%	N/A	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Medical school loan (variable)	4.37 - 13.96%	N/A	N/A	4.37 - 13.96%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Dental school loan (variable)	4.37 - 13.97%	N/A	N/A	4.37 - 13.97%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Law school loan (variable)	4.37 - 13.97%	N/A	N/A	4.37 - 13.97%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	MBA loan (variable)	4.37 - 13.98%	N/A	N/A	4.37 - 13.98%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Health professions loan (variable)	4.37 - 13.98%	N/A	N/A	4.37 - 13.98%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Graduate school loan (variable)	4.37 - 13.98%	N/A	N/A	4.37 - 13.98%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Undergraduate student loan (variable)	4.37 - 16.99%	N/A	N/A	4.37 - 16.99%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Career training loan (variable)	4.37 - 17.18%	N/A	N/A	4.37 - 17.18%	N/A	N/A	N/A
AFFINITY	Medical School Variable Rate Loan (variable)	4.37 - 13.96%	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITY	Dental School Variable Rate Loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITY	Law School Variable Rate Loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITY	MBA Variable Rate Loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITY	Health Professions Variable Rate Loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITY	Graduate School Variable Rate Loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITY	Undergraduate Variable Rate Loan (variable)	4.37 - 16.99%	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITY	Career Training Variable Rate Loan (variable)	4.37 - 17.18%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Medical school loan (variable)	4.37 - 13.96%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Dental school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Law school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	MBA loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Health professions loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Graduate school loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Undergraduate student loan (variable)	4.37 - 16.99%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Career training loan (variable)	4.37 - 17.18%	N/A	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Medical school loan (variable)	4.37 - 13.96%	4.37 - 13.96%	4.37 - 13.96%	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Dental school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Law school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	MBA loan (variable)	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Health professions loan (variable)	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Graduate school loan (variable)	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Undergraduate student loan (variable)	4.37 - 16.99%	4.37 - 16.99%	4.37 - 16.99%	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Career training loan (variable)	4.37 - 17.18%	4.37 - 17.18%	4.37 - 17.18%	N/A	N/A	N/A	N/A
APPLE	Medical school loan (variable)	4.37 - 13.96%	N/A	N/A	4.37 - 13.96%	N/A	N/A	N/A
APPLE	Dental school loan (variable)	4.37 - 13.97%	N/A	N/A	4.37 - 13.97%	N/A	N/A	N/A
APPLE	Law school loan (variable)	4.37 - 13.97%	N/A	N/A	4.37 - 13.97%	N/A	N/A	N/A
APPLE	MBA loan (variable)	4.37 - 13.98%	N/A	N/A	4.37 - 13.98%	N/A	N/A	N/A
APPLE	Health professions loan (variable)	4.37 - 13.98%	N/A	N/A	4.37 - 13.98%	N/A	N/A	N/A
APPLE	Graduate school loan (variable)	4.37 - 13.98%	N/A	N/A	4.37 - 13.98%	N/A	N/A	N/A
APPLE	Undergraduate student loan (variable)	4.37 - 16.99%	N/A	N/A	4.37 - 16.99%	N/A	N/A	N/A
APPLE	Career training loan (variable)	4.37 - 17.18%	N/A	N/A	4.37 - 17.18%	N/A	N/A	N/A
ATLANTA POSTAL	Medical school loan (variable)	4.37 - 13.96%	4.37 - 13.96%	4.37 - 13.96%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Dental school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Law school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	MBA loan (variable)	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Health professions loan (variable)	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Graduate school loan (variable)	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Undergraduate student loan (variable)	4.37 - 16.99%	4.37 - 16.99%	4.37 - 16.99%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Career training loan (variable)	4.37 - 17.18%	4.37 - 17.18%	4.37 - 17.18%	N/A	N/A	N/A	N/A
BELLCO	Medical school loan (variable)	4.37 - 13.96%	4.37 - 13.96%	N/A	N/A	N/A	N/A	N/A
BELLCO	Dental school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
BELLCO	Law school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
BELLCO	MBA loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
BELLCO	Health professions loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
BELLCO	Graduate school loan (variable)	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A
BELLCO	Undergraduate student loan (variable)	4.37 - 16.99%	4.37 - 16.99%	4.37 - 16.99%	4.37 - 16.99%	4.37 - 16.99%	N/A	N/A
BELLCO	Career training loan (variable)	4.37 - 17.18%	4.37 - 17.18%	4.37 - 17.18%	4.37 - 17.18%	4.37 - 17.18%	N/A	N/A
BLUE	Medical school loan (variable)	4.37 - 13.96%	N/A	N/A	N/A	N/A	N/A	N/A
BLUE	Dental school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A	N/A
BLUE	Law school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A	N/A
BLUE	MBA loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A	N/A
BLUE	Health professions loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A	N/A
BLUE	Graduate school loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A	N/A
BLUE	Undergraduate student loan (variable)	4.37 - 16.99%	N/A	N/A	N/A	N/A	N/A	N/A
BLUE	Career training loan (variable)	4.37 - 17.18%	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Medical residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Dental residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Bar exam loan (fixed)	7.01 - 15.26%	N/A	N/A	N/A	N/A	N/A	N/A
—	Credit-Based Loan (variable)	8.24 - 13.60%	8.24 - 13.60%	N/A	N/A	N/A	N/A	N/A
—	Credit-Based Loan (fixed)	8.29 - 13.76%	8.29 - 13.76%	N/A	N/A	N/A	N/A	N/A
—	Outcomes-Based Loan (variable)	12.89 - 14.84%	12.89 - 14.84%	N/A	N/A	N/A	N/A	N/A
—	Outcomes-Based Loan (fixed)	12.98 - 14.93%	12.98 - 14.93%	N/A	N/A	N/A	N/A	N/A

Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.

LendMesh

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Conclusion

With interest rates showing subtle shifts this week, now is an excellent time for borrowers, especially parents considering Parent PLUS loans, to evaluate locking in competitive fixed rates before potential increases later in the year. Even small APR changes can have a substantial impact on total repayment amounts over time, so staying informed and proactive pays off. Students with variable-rate loans should monitor market trends closely but may benefit from current low starting points if they anticipate stable economic conditions ahead. To maximize savings and reduce financial stress, consider consulting your credit union about pre-approval or refinancing opportunities now. Staying engaged with weekly rate updates ensures you don’t miss out on urgent opportunities to secure affordable education financing tailored to your unique needs.