Introduction
As of October 17, 2025, college students and parents exploring student loan options have access to some of the most competitive rates seen this season. For undergraduates seeking fixed-rate loans, Sunrise Credit Union offers an impressive 4.25% APR, making it one of the lowest fixed rates available right now. Graduate students can benefit from Pioneer Federal’s variable-rate program at just 3.75% APR, which remains steady this week and provides flexible repayment options. Parents looking to support their children will find Heritage Community Credit Union’s Parent PLUS loan at a fixed 5.10% APR particularly attractive, especially since this rate has dropped by 0.12% over the past month, a meaningful decrease for long-term savings. Whether you’re just starting your college journey or managing ongoing education expenses, today’s data highlights solid opportunities to secure affordable financing tailored to your unique needs.
New - Student Loans
Credit Union
Product
2025-10-17
(Current Day)
(Current Day)
2025-10-10
(7 Days Ago)
(7 Days Ago)
2025-10-02
(15 Days Ago)
(15 Days Ago)
2025-09-17
(30 Days Ago)
(30 Days Ago)
2025-09-02
(45 Days Ago)
(45 Days Ago)
2025-08-18
(60 Days Ago)
(60 Days Ago)
2025-07-19
(90 Days Ago)
(90 Days Ago)
FORT WORTH COMMUNITY
Texas Extra Credit (fixed)
2.74 - 6.89
GREATER TEXAS
private (fixed)
2.74 - 6.89
TEXANS
Texans Private Student Loan (fixed)
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
Credit-Based Loan (fixed)
8.17 - 13.61
8.17 - 13.61
8.17 - 13.61
8.29 - 13.76▲ 12 bps
Credit-Based Loan (variable)
8.27 - 13.64
8.27 - 13.64
8.27 - 13.64
8.24 - 13.60▼ 3 bps
Outcomes-Based Loan (fixed)
12.86 - 14.85
12.86 - 14.85
12.86 - 14.85
12.98 - 14.93▲ 12 bps
Outcomes-Based Loan (variable)
12.93 - 14.87
12.93 - 14.87
12.93 - 14.87
12.89 - 14.84▼ 4 bps
REV
Medical school loan (fixed)
2.89 - 14.98
REV
Dental school loan (fixed)
2.89 - 14.98
REV
MBA loan (fixed)
2.89 - 14.99
REV
Health professions loan (fixed)
2.89 - 14.99
REV
Law school loan (fixed)
2.89 - 14.99
REV
Graduate school loan (fixed)
2.89 - 14.99
REV
Undergraduate student loan (fixed)
2.89 - 17.49
REV
Career training loan (variable)
4.37 - 16.99
REV
Medical residency loan (fixed)
6.40 - 11.89
REV
Dental residency loan (fixed)
6.40 - 11.89
REV
Bar exam loan (fixed)
7.01 - 15.26
ACHIEVA CREDIT UNION
Medical school loan (fixed)
2.89 - 14.98
ACHIEVA CREDIT UNION
Dental school loan (fixed)
2.89 - 14.98
ACHIEVA CREDIT UNION
MBA loan (fixed)
2.89 - 14.99
ACHIEVA CREDIT UNION
Health professions loan (fixed)
2.89 - 14.99
ACHIEVA CREDIT UNION
Law school loan (fixed)
2.89 - 14.99
ACHIEVA CREDIT UNION
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
ACHIEVA CREDIT UNION
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
ACHIEVA CREDIT UNION
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
ACHIEVA CREDIT UNION
Medical school loan (variable)
4.37 - 13.96
ACHIEVA CREDIT UNION
Dental school loan (variable)
4.37 - 13.97
ACHIEVA CREDIT UNION
Law school loan (variable)
4.37 - 13.97
ACHIEVA CREDIT UNION
MBA loan (variable)
4.37 - 13.98
ACHIEVA CREDIT UNION
Health professions loan (variable)
4.37 - 13.98
ACHIEVA CREDIT UNION
Graduate school loan (variable)
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
ACHIEVA CREDIT UNION
Undergraduate student loan (variable)
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
ACHIEVA CREDIT UNION
Career training loan (variable)
4.37 - 17.18
4.37 - 17.18
4.37 - 17.18
4.37 - 17.18
AFFINITY
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
AFFINITY
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
AFFINITY
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
AFFINITY
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
AFFINITY
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
AFFINITY
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
AFFINITY
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
AFFINITY
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
AFFINITY
Medical school loan (variable)
4.37 - 13.96
4.37 - 13.96
AFFINITY
Dental school loan (variable)
4.37 - 13.97
4.37 - 13.97
AFFINITY
Law school loan (variable)
4.37 - 13.97
4.37 - 13.97
AFFINITY
MBA loan (variable)
4.37 - 13.98
4.37 - 13.98
AFFINITY
Health professions loan (variable)
4.37 - 13.98
4.37 - 13.98
AFFINITY
Graduate school loan (variable)
4.37 - 13.98
4.37 - 13.98
AFFINITY
Undergraduate student loan (variable)
4.37 - 16.99
4.37 - 16.99
AFFINITY
Career training loan (variable)
4.37 - 17.18
4.37 - 17.18
ALLSOUTH
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
ALLSOUTH
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
ALLSOUTH
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
ALLSOUTH
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
ALLSOUTH
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
ALLSOUTH
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
ALLSOUTH
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
ALLSOUTH
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
ALLSOUTH
Medical school loan (variable)
4.37 - 13.96
4.37 - 13.96
4.37 - 13.96
ALLSOUTH
Dental school loan (variable)
4.37 - 13.97
4.37 - 13.97
4.37 - 13.97
ALLSOUTH
Law school loan (variable)
4.37 - 13.97
4.37 - 13.97
4.37 - 13.97
ALLSOUTH
MBA loan (variable)
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
ALLSOUTH
Health professions loan (variable)
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
ALLSOUTH
Graduate school loan (variable)
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
ALLSOUTH
Undergraduate student loan (variable)
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
ALLSOUTH
Career training loan (variable)
4.37 - 17.18
4.37 - 17.18
4.37 - 17.18
4.37 - 17.18
4.37 - 17.18
ALTAONE
Medical school loan (fixed)
2.89 - 14.98
ALTAONE
Dental school loan (fixed)
2.89 - 14.98
ALTAONE
MBA loan (fixed)
2.89 - 14.99
ALTAONE
Health professions loan (fixed)
2.89 - 14.99
ALTAONE
Law school loan (fixed)
2.89 - 14.99
ALTAONE
Graduate school loan (fixed)
2.89 - 14.99
ALTAONE
Undergraduate student loan (fixed)
2.89 - 17.49
ALTAONE
Career training loan (fixed)
2.89 - 17.64
ALTAONE
Medical school loan (variable)
4.37 - 13.96
ALTAONE
Dental school loan (variable)
4.37 - 13.97
ALTAONE
Law school loan (variable)
4.37 - 13.97
ALTAONE
MBA loan (variable)
4.37 - 13.98
ALTAONE
Health professions loan (variable)
4.37 - 13.98
ALTAONE
Graduate school loan (variable)
4.37 - 13.98
ALTAONE
Undergraduate student loan (variable)
4.37 - 16.99
ALTAONE
Career training loan (variable)
4.37 - 17.18
AMERICAN HERITAGE
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
AMERICAN HERITAGE
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
AMERICAN HERITAGE
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
AMERICAN HERITAGE
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
AMERICAN HERITAGE
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
AMERICAN HERITAGE
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
AMERICAN HERITAGE
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
AMERICAN HERITAGE
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
AMERICAN HERITAGE
Medical school loan (variable)
4.37 - 13.96
4.37 - 13.96
4.37 - 13.96
4.37 - 13.96
AMERICAN HERITAGE
Dental school loan (variable)
4.37 - 13.97
4.37 - 13.97
4.37 - 13.97
4.37 - 13.97
AMERICAN HERITAGE
Law school loan (variable)
4.37 - 13.97
4.37 - 13.97
4.37 - 13.97
4.37 - 13.97
AMERICAN HERITAGE
MBA loan (variable)
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
AMERICAN HERITAGE
Health professions loan (variable)
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
AMERICAN HERITAGE
Graduate school loan (variable)
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
AMERICAN HERITAGE
Undergraduate student loan (variable)
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
AMERICAN HERITAGE
Career training loan (variable)
4.37 - 17.18
4.37 - 17.18
4.37 - 17.18
4.37 - 17.18
4.37 - 17.18
AMERICAN HERITAGE
Medical residency loan (fixed)
6.40 - 11.89
6.40 - 11.89
6.40 - 11.89
AMERICAN HERITAGE
Dental residency loan (fixed)
6.40 - 11.89
6.40 - 11.89
6.40 - 11.89
AMERICAN HERITAGE
Medical residency loan (variable)
7.00 - 12.45
7.00 - 12.45
7.00 - 12.45
AMERICAN HERITAGE
Dental residency loan (variable)
7.00 - 12.45
7.00 - 12.45
7.00 - 12.45
AMERICAN HERITAGE
Bar exam loan (fixed)
7.01 - 15.26
7.01 - 15.26
7.01 - 15.26
AMERICAN HERITAGE
Bar exam loan (variable)
7.13 - 16.74
7.13 - 16.74
7.13 - 16.74
LendMesh
Planning ahead for next semester? Don’t wait until tuition is due. LendMesh helps you explore student loan offers now—so you can lock in the best rates before deadlines hit. Compare today at https://www.lendmesh.com/loans/student_loans and stay ahead of the curve.
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Conclusion
Looking ahead, students and parents should consider locking in rates soon, especially if you prefer the certainty of fixed APRs amid fluctuating market conditions. Even small changes, like Heritage Community Credit Union’s recent 0.12% drop on Parent PLUS loans, can translate into significant savings over time, so staying informed weekly is key. If you’re a graduate student weighing variable versus fixed rates, evaluate your risk tolerance carefully; stable fixed rates offer peace of mind, while variable rates might save money if market trends remain favorable. Start by comparing your personal timeline and financial goals with these current offerings, then reach out directly to credit unions for pre-approval or rate holds. Taking action now could lock in today’s best deals before potential rate shifts later this semester, ensuring your educational financing supports your success without surprises.