October 10, 2025: Lowest Fixed Student Loan Rates Hold for Undergrads & Parents

As of October 10, 2025, families and students exploring student loans have some standout options to consider. For undergraduates seeking stability, fixed-rate loans as low as 4.25% APR from Horizon Credit Union provide a reliable choice that won’t fluctuate with market changes. Graduate students can benefit from competitive variable rates starting at just 3.85% APR through Summit Federal Credit Union, which may offer savings if rates remain steady or drop. Parents looking to support their children’s education will find Parent PLUS loans with fixed APRs near 5.10% at Community Trust CU, one of the lowest across credit unions this week. Notably, the Parent PLUS loan APR fell by 0.12% in the past seven days at Community Trust CU, signaling a favorable moment for parents ready to borrow. Whether you’re a student locking in your first loan or a parent planning ahead, today’s rates show promising opportunities to reduce borrowing costs while securing funding for higher education.