Introduction
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.
New - Student Loans
| Lender | Product | 2025-10-10 Current | 2025-10-03 7 Days Ago | 2025-09-25 15 Days Ago | 2025-09-10 30 Days Ago | 2025-08-26 45 Days Ago | 2025-08-11 60 Days Ago | 2025-07-12 90 Days Ago |
|---|---|---|---|---|---|---|---|---|
| TEXANSLOWEST | Texans Private Student Loan (fixed) | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A | N/A |
| SAFE | Private Student Loans with Cosigner (fixed) | 2.89 - 15.46% | N/A | N/A | 2.89 - 15.61% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Medical school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% | N/A | 2.89 - 14.98% | N/A | N/A |
| ACHIEVA CREDIT UNION | Dental school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% | N/A | 2.89 - 14.98% | N/A | N/A |
| ACHIEVA CREDIT UNION | MBA loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A | N/A |
| ACHIEVA CREDIT UNION | Health professions loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A | N/A |
| ACHIEVA CREDIT UNION | Law school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A | N/A |
| ACHIEVA CREDIT UNION | Graduate school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A | N/A |
| ACHIEVA CREDIT UNION | Undergraduate student loan (fixed) | 2.89 - 17.49% | 2.89 - 17.49% | 2.89 - 17.49% | N/A | 2.89 - 17.49% | N/A | N/A |
| ACHIEVA CREDIT UNION | Career training loan (fixed) | 2.89 - 17.64% | 2.89 - 17.64% | 2.89 - 17.64% | N/A | 2.89 - 17.64% | N/A | N/A |
| AFFINITY | Medical School Fixed Rate Loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | N/A | N/A |
| AFFINITY | Dental School Fixed Rate Loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | N/A | N/A |
| AFFINITY | MBA Fixed Rate Loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | N/A |
| AFFINITY | Health Professions Fixed Rate Loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | N/A |
| AFFINITY | Law School Fixed Rate Loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | N/A |
| AFFINITY | Graduate School Fixed Rate Loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | N/A |
| AFFINITY | Undergraduate Fixed Rate Loan (fixed) | 2.89 - 17.49% | 2.89 - 17.49% | 2.89 - 17.49% | N/A | N/A | N/A | N/A |
| AFFINITY | Career Training Fixed Rate Loan (fixed) | 2.89 - 17.64% | 2.89 - 17.64% | 2.89 - 17.64% | N/A | N/A | N/A | N/A |
| ALLSOUTH | Medical school loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | Dental school loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | MBA loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | Health professions loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | Law school loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | Graduate school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | N/A |
| ALLSOUTH | Undergraduate student loan (fixed) | 2.89 - 17.49% | 2.89 - 17.49% | 2.89 - 17.49% | N/A | N/A | N/A | N/A |
| ALLSOUTH | Career training loan (fixed) | 2.89 - 17.64% | 2.89 - 17.64% | 2.89 - 17.64% | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Medical school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Dental school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | MBA loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Health professions loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Law school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Graduate school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A |
| AMERICAN HERITAGE | Undergraduate student loan (fixed) | 2.89 - 17.49% | 2.89 - 17.49% | N/A | 2.89 - 17.49% | 2.89 - 17.49% | 2.89 - 17.49% | N/A |
| AMERICAN HERITAGE | Career training loan (fixed) | 2.89 - 17.64% | 2.89 - 17.64% | N/A | 2.89 - 17.64% | 2.89 - 17.64% | N/A | N/A |
| APPLE | Medical school loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE | Dental school loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE | MBA loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE | Health professions loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE | Law school loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE | Graduate school loan (fixed) | 2.89 - 14.99% | N/A | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A |
| APPLE | Undergraduate student loan (fixed) | 2.89 - 17.49% | N/A | 2.89 - 17.49% | 2.89 - 17.49% | N/A | N/A | N/A |
| APPLE | Career training loan (fixed) | 2.89 - 17.64% | N/A | 2.89 - 17.64% | 2.89 - 17.64% | N/A | N/A | N/A |
| ATLANTA POSTAL | Medical school loan (fixed) | 2.89 - 14.98% | N/A | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | N/A |
| ATLANTA POSTAL | Dental school loan (fixed) | 2.89 - 14.98% | N/A | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | N/A |
| ATLANTA POSTAL | MBA loan (fixed) | 2.89 - 14.99% | N/A | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A |
| ATLANTA POSTAL | Health professions loan (fixed) | 2.89 - 14.99% | N/A | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A |
| ATLANTA POSTAL | Law school loan (fixed) | 2.89 - 14.99% | N/A | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A |
| ATLANTA POSTAL | 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 |
| ATLANTA POSTAL | Undergraduate student loan (fixed) | 2.89 - 17.49% | 2.89 - 17.49% | 2.89 - 17.49% | 2.89 - 17.49% | N/A | N/A | N/A |
| ATLANTA POSTAL | Career training loan (fixed) | 2.89 - 17.64% | 2.89 - 17.64% | 2.89 - 17.64% | 2.89 - 17.64% | N/A | N/A | N/A |
| BELLCO | Medical school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | N/A | 2.89 - 14.98% | N/A | N/A | N/A |
| BELLCO | Dental school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | N/A | 2.89 - 14.98% | N/A | N/A | N/A |
| BELLCO | MBA loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A | N/A | N/A |
| BELLCO | Health professions loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A | N/A | N/A |
| BELLCO | Law school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A | N/A | N/A |
| BELLCO | 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 |
| BELLCO | Undergraduate student loan (fixed) | 2.89 - 17.49% | 2.89 - 17.49% | 2.89 - 17.49% | 2.89 - 17.49% | N/A | 2.89 - 17.49% | N/A |
| BELLCO | Career training loan (fixed) | 2.89 - 17.64% | 2.89 - 17.64% | 2.89 - 17.64% | 2.89 - 17.64% | N/A | 2.89 - 17.64% | N/A |
| ACHIEVA CREDIT UNION | Medical school loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | 4.37 - 13.96% | N/A | 4.37 - 13.96% | N/A | N/A |
| ACHIEVA CREDIT UNION | Dental school loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | 4.37 - 13.97% | N/A | N/A |
| ACHIEVA CREDIT UNION | Law school loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | 4.37 - 13.97% | N/A | N/A |
| ACHIEVA CREDIT UNION | MBA loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A | N/A |
| ACHIEVA CREDIT UNION | Health professions loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A | N/A |
| ACHIEVA CREDIT UNION | Graduate school loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A | N/A |
| ACHIEVA CREDIT UNION | Undergraduate student loan (variable) | 4.37 - 16.99% | 4.37 - 16.99% | 4.37 - 16.99% | N/A | 4.37 - 16.99% | N/A | N/A |
| ACHIEVA CREDIT UNION | Career training loan (variable) | 4.37 - 17.18% | 4.37 - 17.18% | 4.37 - 17.18% | N/A | 4.37 - 17.18% | N/A | N/A |
| AFFINITY | Medical School Variable Rate Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| AFFINITY | Dental School Variable Rate Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| AFFINITY | Law School Variable Rate Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| AFFINITY | MBA Variable Rate Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| AFFINITY | Health Professions Variable Rate Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| AFFINITY | Graduate School Variable Rate Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| AFFINITY | Undergraduate Variable Rate Loan (variable) | 4.37 - 16.99% | 4.37 - 16.99% | 4.37 - 16.99% | N/A | N/A | N/A | N/A |
| AFFINITY | Career Training Variable Rate Loan (variable) | 4.37 - 17.18% | 4.37 - 17.18% | 4.37 - 17.18% | 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% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| ALLSOUTH | Undergraduate student loan (variable) | 4.37 - 16.99% | 4.37 - 16.99% | 4.37 - 16.99% | N/A | N/A | N/A | N/A |
| ALLSOUTH | Career training loan (variable) | 4.37 - 17.18% | 4.37 - 17.18% | 4.37 - 17.18% | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Medical school loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Dental school loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Law school loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | MBA loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Health professions loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Graduate school loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A |
| AMERICAN HERITAGE | Undergraduate student loan (variable) | 4.37 - 16.99% | 4.37 - 16.99% | N/A | 4.37 - 16.99% | 4.37 - 16.99% | 4.37 - 16.99% | N/A |
| AMERICAN HERITAGE | Career training loan (variable) | 4.37 - 17.18% | 4.37 - 17.18% | N/A | 4.37 - 17.18% | 4.37 - 17.18% | N/A | N/A |
| APPLE | Medical school loan (variable) | 4.37 - 13.96% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE | Dental school loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE | Law school loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE | MBA loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE | Health professions loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE | Graduate school loan (variable) | 4.37 - 13.98% | N/A | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| APPLE | Undergraduate student loan (variable) | 4.37 - 16.99% | N/A | 4.37 - 16.99% | 4.37 - 16.99% | N/A | N/A | N/A |
| APPLE | Career training loan (variable) | 4.37 - 17.18% | N/A | 4.37 - 17.18% | 4.37 - 17.18% | N/A | N/A | N/A |
| ATLANTA POSTAL | Medical school loan (variable) | 4.37 - 13.96% | N/A | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A |
| ATLANTA POSTAL | Dental school loan (variable) | 4.37 - 13.97% | N/A | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| ATLANTA POSTAL | Law school loan (variable) | 4.37 - 13.97% | N/A | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| ATLANTA POSTAL | MBA loan (variable) | 4.37 - 13.98% | N/A | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| ATLANTA POSTAL | Health professions loan (variable) | 4.37 - 13.98% | N/A | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| ATLANTA POSTAL | 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 |
| ATLANTA POSTAL | Undergraduate student loan (variable) | 4.37 - 16.99% | 4.37 - 16.99% | 4.37 - 16.99% | 4.37 - 16.99% | N/A | N/A | N/A |
| ATLANTA POSTAL | Career training loan (variable) | 4.37 - 17.18% | 4.37 - 17.18% | 4.37 - 17.18% | 4.37 - 17.18% | N/A | N/A | N/A |
| BELLCO | Medical school loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | 4.37 - 13.96% | N/A | N/A | N/A |
| BELLCO | Dental school loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | 4.37 - 13.97% | N/A | N/A | N/A |
| BELLCO | Law school loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | 4.37 - 13.97% | N/A | N/A | N/A |
| BELLCO | MBA loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A | N/A | N/A |
| BELLCO | Health professions loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | 4.37 - 13.98% | 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% | N/A | 4.37 - 16.99% | N/A |
| BELLCO | Career training loan (variable) | 4.37 - 17.18% | 4.37 - 17.18% | 4.37 - 17.18% | 4.37 - 17.18% | N/A | 4.37 - 17.18% | N/A |
| SAFE | Private Student Loans with Cosigner (variable) | 4.38 - 15.29% | N/A | N/A | 4.34 - 15.25% | N/A | N/A | N/A |
| AMERICAN HERITAGE | Medical residency loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Dental residency loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Medical residency loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Dental residency loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Bar exam loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Bar exam loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 8.17 - 13.61% | 8.17 - 13.61% | 8.29 - 13.76% | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 8.27 - 13.64% | 8.27 - 13.64% | 8.24 - 13.60% | N/A | N/A | N/A | N/A |
| — | Outcomes-Based Loan (fixed) | 12.86 - 14.85% | 12.86 - 14.85% | 12.98 - 14.93% | N/A | N/A | N/A | N/A |
| — | Outcomes-Based Loan (variable) | 12.93 - 14.87% | 12.93 - 14.87% | 12.89 - 14.84% | 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.
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Conclusion
With interest rates showing subtle shifts this week, now is an opportune time for borrowers, especially those considering Parent PLUS loans, to lock in competitive fixed rates before any potential increases later in the year. Even small APR changes, like the recent 0.12% drop for parents, can translate into meaningful savings over the life of a loan. Students should weigh the benefits of fixed versus variable programs carefully; fixed rates offer predictability, while variable rates might provide lower initial payments but carry more risk if market rates rise. Parents and graduates should also explore credit unions’ specific terms and repayment options to tailor financing to their unique situations. For those ready to act, contacting your preferred credit union soon could secure these favorable terms, making your investment in education more affordable and manageable over time. Staying informed and proactive is key to navigating today’s evolving student loan landscape effectively.