September 29, 2025: Student Loan Rates Hold at 2.55% Fixed for Undergrads & Parents

As of September 29, 2025, today’s student loan landscape offers some standout opportunities for students and parents seeking affordable financing options. For undergraduates, the most attractive fixed-rate option is offered by Horizon Credit Union at just 4.25% APR, providing a stable and budget-friendly choice. Graduate students will find competitive variable rates from Unity Federal Credit Union, with rates as low as 3.75% APR, ideal for those comfortable with some rate fluctuation in exchange for initial savings. Parents looking to support their children’s education can take advantage of the Parent PLUS loan from Summit Credit Union, which recently dropped by 0.12% to an appealing 5.10% APR, marking a notable decrease that enhances affordability. These competitive rates across fixed and variable programs highlight excellent timing for borrowers ready to secure favorable terms this fall. Whether you’re an undergraduate, graduate student, or parent borrower, today’s market presents several cost-effective paths to funding education goals.