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
| Lender | Product | 2025-10-17 Current | 2025-10-10 7 Days Ago | 2025-10-02 15 Days Ago | 2025-09-17 30 Days Ago | 2025-09-02 45 Days Ago | 2025-08-18 60 Days Ago | 2025-07-19 90 Days Ago |
|---|---|---|---|---|---|---|---|---|
| FORT WORTH COMMUNITYLOWEST | Texas Extra Credit (fixed) | 2.74 - 6.89% | N/A | N/A | N/A | N/A | N/A | N/A |
| GREATER TEXASLOWEST | private (fixed) | 2.74 - 6.89% | N/A | N/A | N/A | N/A | N/A | N/A |
| TEXANSLOWEST | 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% | N/A | N/A |
| REV | Medical school loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| REV | Dental school loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| REV | MBA loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| REV | Health professions loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| REV | Law school loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| REV | Graduate school loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| REV | Undergraduate student loan (fixed) | 2.89 - 17.49% | N/A | N/A | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Medical school loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Dental school loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | MBA loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Health professions loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Law school loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | 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 loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | 2.89 - 14.98% | N/A | N/A |
| AFFINITY | Dental school loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | 2.89 - 14.98% | N/A | N/A |
| AFFINITY | MBA loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | N/A | N/A |
| AFFINITY | Health professions loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | N/A | N/A |
| AFFINITY | Law school loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | N/A | N/A |
| AFFINITY | Graduate school loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | N/A | N/A |
| AFFINITY | Undergraduate student loan (fixed) | 2.89 - 17.49% | N/A | N/A | N/A | 2.89 - 17.49% | N/A | N/A |
| AFFINITY | Career training loan (fixed) | 2.89 - 17.64% | N/A | N/A | N/A | 2.89 - 17.64% | N/A | N/A |
| ALLSOUTH | Medical school loan (fixed) | 2.89 - 14.98% | N/A | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | N/A |
| ALLSOUTH | Dental school loan (fixed) | 2.89 - 14.98% | N/A | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | N/A |
| ALLSOUTH | MBA loan (fixed) | 2.89 - 14.99% | N/A | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A |
| ALLSOUTH | Health professions loan (fixed) | 2.89 - 14.99% | N/A | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A |
| ALLSOUTH | Law school loan (fixed) | 2.89 - 14.99% | N/A | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A |
| 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% | N/A | N/A |
| 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% | N/A | N/A |
| 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% | N/A | N/A |
| ALTAONE | Medical school loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Dental school loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | MBA loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Health professions loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Law school loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Graduate school loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Undergraduate student loan (fixed) | 2.89 - 17.49% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Career training loan (fixed) | 2.89 - 17.64% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Medical school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | 2.89 - 14.98% | N/A |
| AMERICAN HERITAGE | Dental school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | 2.89 - 14.98% | N/A |
| AMERICAN HERITAGE | MBA loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | 2.89 - 14.99% | N/A |
| AMERICAN HERITAGE | Health professions loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | 2.89 - 14.99% | N/A |
| AMERICAN HERITAGE | Law school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | 2.89 - 14.99% | N/A |
| AMERICAN HERITAGE | Graduate school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | 2.89 - 14.99% | N/A |
| AMERICAN HERITAGE | Undergraduate student loan (fixed) | 2.89 - 17.49% | 2.89 - 17.49% | 2.89 - 17.49% | N/A | 2.89 - 17.49% | 2.89 - 17.49% | N/A |
| AMERICAN HERITAGE | Career training loan (fixed) | 2.89 - 17.64% | 2.89 - 17.64% | 2.89 - 17.64% | N/A | 2.89 - 17.64% | 2.89 - 17.64% | N/A |
| REV | Career training loan (variable) | 4.37 - 16.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Medical school loan (variable) | 4.37 - 13.96% | N/A | N/A | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Dental school loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Law school loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | MBA loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Health professions loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | 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 loan (variable) | 4.37 - 13.96% | N/A | N/A | N/A | 4.37 - 13.96% | N/A | N/A |
| AFFINITY | Dental school loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | 4.37 - 13.97% | N/A | N/A |
| AFFINITY | Law school loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | 4.37 - 13.97% | N/A | N/A |
| AFFINITY | MBA loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | 4.37 - 13.98% | N/A | N/A |
| AFFINITY | Health professions loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | 4.37 - 13.98% | N/A | N/A |
| AFFINITY | Graduate school loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | 4.37 - 13.98% | N/A | N/A |
| AFFINITY | Undergraduate student loan (variable) | 4.37 - 16.99% | N/A | N/A | N/A | 4.37 - 16.99% | N/A | N/A |
| AFFINITY | Career training loan (variable) | 4.37 - 17.18% | N/A | N/A | N/A | 4.37 - 17.18% | N/A | N/A |
| ALLSOUTH | Medical school loan (variable) | 4.37 - 13.96% | N/A | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A |
| ALLSOUTH | Dental school loan (variable) | 4.37 - 13.97% | N/A | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| ALLSOUTH | Law school loan (variable) | 4.37 - 13.97% | N/A | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| ALLSOUTH | MBA loan (variable) | 4.37 - 13.98% | N/A | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| ALLSOUTH | Health professions loan (variable) | 4.37 - 13.98% | N/A | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| 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% | N/A | N/A |
| 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% | N/A | N/A |
| 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% | N/A | N/A |
| ALTAONE | Medical school loan (variable) | 4.37 - 13.96% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Dental school loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Law school loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | MBA loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Health professions loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Graduate school loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Undergraduate student loan (variable) | 4.37 - 16.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Career training loan (variable) | 4.37 - 17.18% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Medical school loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | 4.37 - 13.96% | N/A |
| AMERICAN HERITAGE | Dental school loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | 4.37 - 13.97% | N/A |
| AMERICAN HERITAGE | Law school loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | 4.37 - 13.97% | N/A |
| AMERICAN HERITAGE | MBA loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | 4.37 - 13.98% | N/A |
| AMERICAN HERITAGE | Health professions loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | 4.37 - 13.98% | N/A |
| AMERICAN HERITAGE | Graduate school loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | 4.37 - 13.98% | 4.37 - 13.98% | N/A |
| AMERICAN HERITAGE | Undergraduate student loan (variable) | 4.37 - 16.99% | 4.37 - 16.99% | 4.37 - 16.99% | N/A | 4.37 - 16.99% | 4.37 - 16.99% | N/A |
| AMERICAN HERITAGE | Career training loan (variable) | 4.37 - 17.18% | 4.37 - 17.18% | 4.37 - 17.18% | N/A | 4.37 - 17.18% | 4.37 - 17.18% | N/A |
| REV | Medical residency loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A | N/A |
| REV | Dental residency loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Medical residency loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Dental residency loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Medical residency loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Dental residency loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| REV | Bar exam loan (fixed) | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Bar exam loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Bar exam loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 8.17 - 13.61% | 8.17 - 13.61% | 8.17 - 13.61% | 8.29 - 13.76% | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 8.27 - 13.64% | 8.27 - 13.64% | 8.27 - 13.64% | 8.24 - 13.60% | N/A | N/A | N/A |
| — | Outcomes-Based Loan (fixed) | 12.86 - 14.85% | 12.86 - 14.85% | 12.86 - 14.85% | 12.98 - 14.93% | N/A | N/A | N/A |
| — | Outcomes-Based Loan (variable) | 12.93 - 14.87% | 12.93 - 14.87% | 12.93 - 14.87% | 12.89 - 14.84% | 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.
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.