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

LenderProduct
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
TEXANSLOWESTTexans Private Student Loan (fixed)2.74 - 6.89%2.74 - 6.89%2.74 - 6.89%2.74 - 6.89%N/AN/AN/A
SAFEPrivate Student Loans with Cosigner (fixed)2.89 - 15.46%N/AN/A2.89 - 15.61%N/AN/AN/A
ACHIEVA CREDIT UNIONMedical school loan (fixed)2.89 - 14.98%2.89 - 14.98%2.89 - 14.98%N/A2.89 - 14.98%N/AN/A
ACHIEVA CREDIT UNIONDental school loan (fixed)2.89 - 14.98%2.89 - 14.98%2.89 - 14.98%N/A2.89 - 14.98%N/AN/A
ACHIEVA CREDIT UNIONMBA loan (fixed)2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%N/A2.89 - 14.99%N/AN/A
ACHIEVA CREDIT UNIONHealth professions loan (fixed)2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%N/A2.89 - 14.99%N/AN/A
ACHIEVA CREDIT UNIONLaw school loan (fixed)2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%N/A2.89 - 14.99%N/AN/A
ACHIEVA CREDIT UNIONGraduate school loan (fixed)2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%N/A2.89 - 14.99%N/AN/A
ACHIEVA CREDIT UNIONUndergraduate student loan (fixed)2.89 - 17.49%2.89 - 17.49%2.89 - 17.49%N/A2.89 - 17.49%N/AN/A
ACHIEVA CREDIT UNIONCareer training loan (fixed)2.89 - 17.64%2.89 - 17.64%2.89 - 17.64%N/A2.89 - 17.64%N/AN/A
AFFINITYMedical School Fixed Rate Loan (fixed)2.89 - 14.98%2.89 - 14.98%2.89 - 14.98%N/AN/AN/AN/A
AFFINITYDental School Fixed Rate Loan (fixed)2.89 - 14.98%2.89 - 14.98%2.89 - 14.98%N/AN/AN/AN/A
AFFINITYMBA Fixed Rate Loan (fixed)2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/A
AFFINITYHealth Professions Fixed Rate Loan (fixed)2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/A
AFFINITYLaw School Fixed Rate Loan (fixed)2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/A
AFFINITYGraduate School Fixed Rate Loan (fixed)2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/A
AFFINITYUndergraduate Fixed Rate Loan (fixed)2.89 - 17.49%2.89 - 17.49%2.89 - 17.49%N/AN/AN/AN/A
AFFINITYCareer Training Fixed Rate Loan (fixed)2.89 - 17.64%2.89 - 17.64%2.89 - 17.64%N/AN/AN/AN/A
ALLSOUTHMedical school loan (fixed)2.89 - 14.98%N/AN/AN/AN/AN/AN/A
ALLSOUTHDental school loan (fixed)2.89 - 14.98%N/AN/AN/AN/AN/AN/A
ALLSOUTHMBA loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
ALLSOUTHHealth professions loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
ALLSOUTHLaw school loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
ALLSOUTHGraduate school loan (fixed)2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/A
ALLSOUTHUndergraduate student loan (fixed)2.89 - 17.49%2.89 - 17.49%2.89 - 17.49%N/AN/AN/AN/A
ALLSOUTHCareer training loan (fixed)2.89 - 17.64%2.89 - 17.64%2.89 - 17.64%N/AN/AN/AN/A
AMERICAN HERITAGEMedical school loan (fixed)2.89 - 14.98%2.89 - 14.98%N/AN/AN/AN/AN/A
AMERICAN HERITAGEDental school loan (fixed)2.89 - 14.98%2.89 - 14.98%N/AN/AN/AN/AN/A
AMERICAN HERITAGEMBA loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/AN/A
AMERICAN HERITAGEHealth professions loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/AN/A
AMERICAN HERITAGELaw school loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/AN/A
AMERICAN HERITAGEGraduate school loan (fixed)2.89 - 14.99%2.89 - 14.99%N/A2.89 - 14.99%2.89 - 14.99%N/AN/A
AMERICAN HERITAGEUndergraduate student loan (fixed)2.89 - 17.49%2.89 - 17.49%N/A2.89 - 17.49%2.89 - 17.49%2.89 - 17.49%N/A
AMERICAN HERITAGECareer training loan (fixed)2.89 - 17.64%2.89 - 17.64%N/A2.89 - 17.64%2.89 - 17.64%N/AN/A
APPLEMedical school loan (fixed)2.89 - 14.98%N/AN/AN/AN/AN/AN/A
APPLEDental school loan (fixed)2.89 - 14.98%N/AN/AN/AN/AN/AN/A
APPLEMBA loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
APPLEHealth professions loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
APPLELaw school loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
APPLEGraduate school loan (fixed)2.89 - 14.99%N/A2.89 - 14.99%2.89 - 14.99%N/AN/AN/A
APPLEUndergraduate student loan (fixed)2.89 - 17.49%N/A2.89 - 17.49%2.89 - 17.49%N/AN/AN/A
APPLECareer training loan (fixed)2.89 - 17.64%N/A2.89 - 17.64%2.89 - 17.64%N/AN/AN/A
ATLANTA POSTALMedical school loan (fixed)2.89 - 14.98%N/A2.89 - 14.98%2.89 - 14.98%N/AN/AN/A
ATLANTA POSTALDental school loan (fixed)2.89 - 14.98%N/A2.89 - 14.98%2.89 - 14.98%N/AN/AN/A
ATLANTA POSTALMBA loan (fixed)2.89 - 14.99%N/A2.89 - 14.99%2.89 - 14.99%N/AN/AN/A
ATLANTA POSTALHealth professions loan (fixed)2.89 - 14.99%N/A2.89 - 14.99%2.89 - 14.99%N/AN/AN/A
ATLANTA POSTALLaw school loan (fixed)2.89 - 14.99%N/A2.89 - 14.99%2.89 - 14.99%N/AN/AN/A
ATLANTA POSTALGraduate school loan (fixed)2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%N/AN/AN/A
ATLANTA POSTALUndergraduate student loan (fixed)2.89 - 17.49%2.89 - 17.49%2.89 - 17.49%2.89 - 17.49%N/AN/AN/A
ATLANTA POSTALCareer training loan (fixed)2.89 - 17.64%2.89 - 17.64%2.89 - 17.64%2.89 - 17.64%N/AN/AN/A
BELLCOMedical school loan (fixed)2.89 - 14.98%2.89 - 14.98%N/A2.89 - 14.98%N/AN/AN/A
BELLCODental school loan (fixed)2.89 - 14.98%2.89 - 14.98%N/A2.89 - 14.98%N/AN/AN/A
BELLCOMBA loan (fixed)2.89 - 14.99%2.89 - 14.99%N/A2.89 - 14.99%N/AN/AN/A
BELLCOHealth professions loan (fixed)2.89 - 14.99%2.89 - 14.99%N/A2.89 - 14.99%N/AN/AN/A
BELLCOLaw school loan (fixed)2.89 - 14.99%2.89 - 14.99%N/A2.89 - 14.99%N/AN/AN/A
BELLCOGraduate school loan (fixed)2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%N/AN/AN/A
BELLCOUndergraduate student loan (fixed)2.89 - 17.49%2.89 - 17.49%2.89 - 17.49%2.89 - 17.49%N/A2.89 - 17.49%N/A
BELLCOCareer training loan (fixed)2.89 - 17.64%2.89 - 17.64%2.89 - 17.64%2.89 - 17.64%N/A2.89 - 17.64%N/A
ACHIEVA CREDIT UNIONMedical school loan (variable)4.37 - 13.96%4.37 - 13.96%4.37 - 13.96%N/A4.37 - 13.96%N/AN/A
ACHIEVA CREDIT UNIONDental school loan (variable)4.37 - 13.97%4.37 - 13.97%4.37 - 13.97%N/A4.37 - 13.97%N/AN/A
ACHIEVA CREDIT UNIONLaw school loan (variable)4.37 - 13.97%4.37 - 13.97%4.37 - 13.97%N/A4.37 - 13.97%N/AN/A
ACHIEVA CREDIT UNIONMBA loan (variable)4.37 - 13.98%4.37 - 13.98%4.37 - 13.98%N/A4.37 - 13.98%N/AN/A
ACHIEVA CREDIT UNIONHealth professions loan (variable)4.37 - 13.98%4.37 - 13.98%4.37 - 13.98%N/A4.37 - 13.98%N/AN/A
ACHIEVA CREDIT UNIONGraduate school loan (variable)4.37 - 13.98%4.37 - 13.98%4.37 - 13.98%N/A4.37 - 13.98%N/AN/A
ACHIEVA CREDIT UNIONUndergraduate student loan (variable)4.37 - 16.99%4.37 - 16.99%4.37 - 16.99%N/A4.37 - 16.99%N/AN/A
ACHIEVA CREDIT UNIONCareer training loan (variable)4.37 - 17.18%4.37 - 17.18%4.37 - 17.18%N/A4.37 - 17.18%N/AN/A
AFFINITYMedical School Variable Rate Loan (variable)4.37 - 13.96%4.37 - 13.96%4.37 - 13.96%N/AN/AN/AN/A
AFFINITYDental School Variable Rate Loan (variable)4.37 - 13.97%4.37 - 13.97%4.37 - 13.97%N/AN/AN/AN/A
AFFINITYLaw School Variable Rate Loan (variable)4.37 - 13.97%4.37 - 13.97%4.37 - 13.97%N/AN/AN/AN/A
AFFINITYMBA Variable Rate Loan (variable)4.37 - 13.98%4.37 - 13.98%4.37 - 13.98%N/AN/AN/AN/A
AFFINITYHealth Professions Variable Rate Loan (variable)4.37 - 13.98%4.37 - 13.98%4.37 - 13.98%N/AN/AN/AN/A
AFFINITYGraduate School Variable Rate Loan (variable)4.37 - 13.98%4.37 - 13.98%4.37 - 13.98%N/AN/AN/AN/A
AFFINITYUndergraduate Variable Rate Loan (variable)4.37 - 16.99%4.37 - 16.99%4.37 - 16.99%N/AN/AN/AN/A
AFFINITYCareer Training Variable Rate Loan (variable)4.37 - 17.18%4.37 - 17.18%4.37 - 17.18%N/AN/AN/AN/A
ALLSOUTHMedical school loan (variable)4.37 - 13.96%N/AN/AN/AN/AN/AN/A
ALLSOUTHDental school loan (variable)4.37 - 13.97%N/AN/AN/AN/AN/AN/A
ALLSOUTHLaw school loan (variable)4.37 - 13.97%N/AN/AN/AN/AN/AN/A
ALLSOUTHMBA loan (variable)4.37 - 13.98%N/AN/AN/AN/AN/AN/A
ALLSOUTHHealth professions loan (variable)4.37 - 13.98%N/AN/AN/AN/AN/AN/A
ALLSOUTHGraduate school loan (variable)4.37 - 13.98%4.37 - 13.98%4.37 - 13.98%N/AN/AN/AN/A
ALLSOUTHUndergraduate student loan (variable)4.37 - 16.99%4.37 - 16.99%4.37 - 16.99%N/AN/AN/AN/A
ALLSOUTHCareer training loan (variable)4.37 - 17.18%4.37 - 17.18%4.37 - 17.18%N/AN/AN/AN/A
AMERICAN HERITAGEMedical school loan (variable)4.37 - 13.96%4.37 - 13.96%N/AN/AN/AN/AN/A
AMERICAN HERITAGEDental school loan (variable)4.37 - 13.97%4.37 - 13.97%N/AN/AN/AN/AN/A
AMERICAN HERITAGELaw school loan (variable)4.37 - 13.97%4.37 - 13.97%N/AN/AN/AN/AN/A
AMERICAN HERITAGEMBA loan (variable)4.37 - 13.98%4.37 - 13.98%N/AN/AN/AN/AN/A
AMERICAN HERITAGEHealth professions loan (variable)4.37 - 13.98%4.37 - 13.98%N/AN/AN/AN/AN/A
AMERICAN HERITAGEGraduate school loan (variable)4.37 - 13.98%4.37 - 13.98%N/A4.37 - 13.98%4.37 - 13.98%N/AN/A
AMERICAN HERITAGEUndergraduate student loan (variable)4.37 - 16.99%4.37 - 16.99%N/A4.37 - 16.99%4.37 - 16.99%4.37 - 16.99%N/A
AMERICAN HERITAGECareer training loan (variable)4.37 - 17.18%4.37 - 17.18%N/A4.37 - 17.18%4.37 - 17.18%N/AN/A
APPLEMedical school loan (variable)4.37 - 13.96%N/AN/AN/AN/AN/AN/A
APPLEDental school loan (variable)4.37 - 13.97%N/AN/AN/AN/AN/AN/A
APPLELaw school loan (variable)4.37 - 13.97%N/AN/AN/AN/AN/AN/A
APPLEMBA loan (variable)4.37 - 13.98%N/AN/AN/AN/AN/AN/A
APPLEHealth professions loan (variable)4.37 - 13.98%N/AN/AN/AN/AN/AN/A
APPLEGraduate school loan (variable)4.37 - 13.98%N/A4.37 - 13.98%4.37 - 13.98%N/AN/AN/A
APPLEUndergraduate student loan (variable)4.37 - 16.99%N/A4.37 - 16.99%4.37 - 16.99%N/AN/AN/A
APPLECareer training loan (variable)4.37 - 17.18%N/A4.37 - 17.18%4.37 - 17.18%N/AN/AN/A
ATLANTA POSTALMedical school loan (variable)4.37 - 13.96%N/A4.37 - 13.96%4.37 - 13.96%N/AN/AN/A
ATLANTA POSTALDental school loan (variable)4.37 - 13.97%N/A4.37 - 13.97%4.37 - 13.97%N/AN/AN/A
ATLANTA POSTALLaw school loan (variable)4.37 - 13.97%N/A4.37 - 13.97%4.37 - 13.97%N/AN/AN/A
ATLANTA POSTALMBA loan (variable)4.37 - 13.98%N/A4.37 - 13.98%4.37 - 13.98%N/AN/AN/A
ATLANTA POSTALHealth professions loan (variable)4.37 - 13.98%N/A4.37 - 13.98%4.37 - 13.98%N/AN/AN/A
ATLANTA POSTALGraduate school loan (variable)4.37 - 13.98%4.37 - 13.98%4.37 - 13.98%4.37 - 13.98%N/AN/AN/A
ATLANTA POSTALUndergraduate student loan (variable)4.37 - 16.99%4.37 - 16.99%4.37 - 16.99%4.37 - 16.99%N/AN/AN/A
ATLANTA POSTALCareer training loan (variable)4.37 - 17.18%4.37 - 17.18%4.37 - 17.18%4.37 - 17.18%N/AN/AN/A
BELLCOMedical school loan (variable)4.37 - 13.96%4.37 - 13.96%N/A4.37 - 13.96%N/AN/AN/A
BELLCODental school loan (variable)4.37 - 13.97%4.37 - 13.97%N/A4.37 - 13.97%N/AN/AN/A
BELLCOLaw school loan (variable)4.37 - 13.97%4.37 - 13.97%N/A4.37 - 13.97%N/AN/AN/A
BELLCOMBA loan (variable)4.37 - 13.98%4.37 - 13.98%N/A4.37 - 13.98%N/AN/AN/A
BELLCOHealth professions loan (variable)4.37 - 13.98%4.37 - 13.98%N/A4.37 - 13.98%N/AN/AN/A
BELLCOGraduate school loan (variable)4.37 - 13.98%4.37 - 13.98%4.37 - 13.98%4.37 - 13.98%N/AN/AN/A
BELLCOUndergraduate student loan (variable)4.37 - 16.99%4.37 - 16.99%4.37 - 16.99%4.37 - 16.99%N/A4.37 - 16.99%N/A
BELLCOCareer training loan (variable)4.37 - 17.18%4.37 - 17.18%4.37 - 17.18%4.37 - 17.18%N/A4.37 - 17.18%N/A
SAFEPrivate Student Loans with Cosigner (variable)4.38 - 15.29%N/AN/A4.34 - 15.25%N/AN/AN/A
AMERICAN HERITAGEMedical residency loan (fixed)6.40 - 11.89%6.40 - 11.89%N/AN/AN/AN/AN/A
AMERICAN HERITAGEDental residency loan (fixed)6.40 - 11.89%6.40 - 11.89%N/AN/AN/AN/AN/A
AMERICAN HERITAGEMedical residency loan (variable)7.00 - 12.45%7.00 - 12.45%N/AN/AN/AN/AN/A
AMERICAN HERITAGEDental residency loan (variable)7.00 - 12.45%7.00 - 12.45%N/AN/AN/AN/AN/A
AMERICAN HERITAGEBar exam loan (fixed)7.01 - 15.26%7.01 - 15.26%N/AN/AN/AN/AN/A
AMERICAN HERITAGEBar exam loan (variable)7.13 - 16.74%7.13 - 16.74%N/AN/AN/AN/AN/A
Credit-Based Loan (fixed)8.17 - 13.61%8.17 - 13.61%8.29 - 13.76%N/AN/AN/AN/A
Credit-Based Loan (variable)8.27 - 13.64%8.27 - 13.64%8.24 - 13.60%N/AN/AN/AN/A
Outcomes-Based Loan (fixed)12.86 - 14.85%12.86 - 14.85%12.98 - 14.93%N/AN/AN/AN/A
Outcomes-Based Loan (variable)12.93 - 14.87%12.93 - 14.87%12.89 - 14.84%N/AN/AN/AN/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 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.