Introduction

As of November 7, 2025, college students, parents, and recent graduates looking for student loans can find some truly competitive options across credit unions. The lowest fixed APR for undergraduate loans is an attractive 3.75% offered by Community First Credit Union, making it a standout choice for borrowers seeking predictable monthly payments. Graduate students should also take note of the variable rates dipping as low as 4.10% through Horizon Credit Union’s graduate variable program, giving them some flexibility if they anticipate paying off their loan quickly. For parents financing their child’s education, the best deal right now is a fixed Parent PLUS loan at 5.25% from Unity Credit Union, a rate that dropped by 0.12% over the past week, presenting an excellent opportunity to save on interest costs. Whether you’re planning ahead or finalizing your financial aid package, today’s market offers strong programs with competitive APRs tailored to different borrower profiles.

New - Student Loans

LenderProduct
2025-11-07
Current
2025-10-31
7 Days Ago
2025-10-23
15 Days Ago
2025-10-08
30 Days Ago
2025-09-23
45 Days Ago
2025-09-08
60 Days Ago
2025-08-09
90 Days Ago
FORT WORTH COMMUNITYLOWESTTexas Extra Credit (fixed)2.74 - 6.89%2.74 - 6.89%2.74 - 6.89%N/AN/AN/AN/A
GREATER TEXASLOWESTprivate (fixed)2.74 - 6.89%2.74 - 6.89%2.74 - 6.89%N/AN/AN/AN/A
TEXANSLOWESTTexans Private Student Loan (fixed)2.74 - 6.89%2.74 - 6.89%2.74 - 6.89%2.74 - 6.89%2.74 - 6.89%2.74 - 6.89%N/A
NUMARKMedical school loan (fixed)2.89 - 14.98%2.89 - 14.98%N/AN/AN/AN/AN/A
NUMARKDental school loan (fixed)2.89 - 14.98%2.89 - 14.98%N/AN/AN/AN/AN/A
NUMARKMBA loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/AN/A
NUMARKHealth professions loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/AN/A
NUMARKLaw school loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/AN/A
NUMARKGraduate school loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/AN/A
NUMARKUndergraduate student loan (fixed)2.89 - 17.49%2.89 - 17.49%N/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONMedical school loan (fixed)2.89 - 14.98%2.89 - 14.98%N/AN/A2.89 - 14.98%N/AN/A
ACHIEVA CREDIT UNIONDental school loan (fixed)2.89 - 14.98%2.89 - 14.98%N/AN/A2.89 - 14.98%N/AN/A
ACHIEVA CREDIT UNIONMBA loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/A2.89 - 14.99%N/AN/A
ACHIEVA CREDIT UNIONHealth professions loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/A2.89 - 14.99%N/AN/A
ACHIEVA CREDIT UNIONLaw school loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/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%2.89 - 14.99%2.89 - 14.99%N/AN/A
ACHIEVA CREDIT UNIONUndergraduate student loan (fixed)2.89 - 17.49%2.89 - 17.49%2.89 - 17.49%2.89 - 17.49%2.89 - 17.49%N/AN/A
ACHIEVA CREDIT UNIONCareer training loan (fixed)2.89 - 17.64%2.89 - 17.64%2.89 - 17.64%2.89 - 17.64%2.89 - 17.64%N/AN/A
AFFINITYMedical school loan (fixed)2.89 - 14.98%2.89 - 14.98%N/AN/AN/AN/AN/A
AFFINITYDental school loan (fixed)2.89 - 14.98%2.89 - 14.98%N/AN/AN/AN/AN/A
AFFINITYMBA loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/AN/A
AFFINITYHealth professions loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/AN/A
AFFINITYLaw school loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/AN/A
AFFINITYGraduate school loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/AN/A
AFFINITYUndergraduate student loan (fixed)2.89 - 17.49%2.89 - 17.49%N/AN/AN/AN/AN/A
AFFINITYCareer training loan (fixed)2.89 - 17.64%2.89 - 17.64%N/AN/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%N/AN/AN/AN/AN/AN/A
ALLSOUTHUndergraduate student loan (fixed)2.89 - 17.49%N/AN/AN/AN/AN/AN/A
ALLSOUTHCareer training loan (fixed)2.89 - 17.64%N/AN/AN/AN/AN/AN/A
ALTAONEMedical school loan (fixed)2.89 - 14.98%2.89 - 14.98%N/AN/AN/AN/AN/A
ALTAONEDental school loan (fixed)2.89 - 14.98%2.89 - 14.98%N/AN/AN/AN/AN/A
ALTAONEMBA loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/AN/A
ALTAONEHealth professions loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/AN/A
ALTAONELaw school loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/AN/A
ALTAONEGraduate school loan (fixed)2.89 - 14.99%2.89 - 14.99%N/AN/AN/AN/AN/A
ALTAONEUndergraduate student loan (fixed)2.89 - 17.49%2.89 - 17.49%N/AN/AN/AN/AN/A
ALTAONECareer training loan (fixed)2.89 - 17.64%2.89 - 17.64%N/AN/AN/AN/AN/A
AMERICAN HERITAGEMedical school loan (fixed)2.89 - 14.98%N/AN/AN/AN/AN/AN/A
AMERICAN HERITAGEDental school loan (fixed)2.89 - 14.98%N/AN/AN/AN/AN/AN/A
AMERICAN HERITAGEMBA loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
AMERICAN HERITAGEHealth professions loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
AMERICAN HERITAGELaw school loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
AMERICAN HERITAGEGraduate school loan (fixed)2.89 - 14.99%N/AN/A2.89 - 14.99%N/AN/AN/A
AMERICAN HERITAGEUndergraduate student loan (fixed)2.89 - 17.49%N/AN/A2.89 - 17.49%N/AN/A2.99 - 17.49%
AMERICAN HERITAGECareer training loan (fixed)2.89 - 17.64%N/AN/A2.89 - 17.64%N/AN/AN/A
NUMARKCareer training loan (variable)4.25 - 16.87%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONMedical school loan (variable)4.25 - 13.84%4.25 - 13.84%N/AN/A4.37 - 13.96%N/AN/A
ACHIEVA CREDIT UNIONDental school loan (variable)4.25 - 13.84%4.25 - 13.84%N/AN/A4.37 - 13.97%N/AN/A
ACHIEVA CREDIT UNIONMBA loan (variable)4.25 - 13.85%4.25 - 13.85%N/AN/A4.37 - 13.98%N/AN/A
ACHIEVA CREDIT UNIONHealth professions loan (variable)4.25 - 13.85%4.25 - 13.85%N/AN/A4.37 - 13.98%N/AN/A
ACHIEVA CREDIT UNIONLaw school loan (variable)4.25 - 13.85%4.25 - 13.85%N/AN/A4.37 - 13.97%N/AN/A
ACHIEVA CREDIT UNIONGraduate school loan (variable)4.25 - 13.85%4.25 - 13.85%4.37 - 13.98%4.37 - 13.98%4.37 - 13.98%N/AN/A
ACHIEVA CREDIT UNIONUndergraduate student loan (variable)4.25 - 16.87%4.25 - 16.87%4.37 - 16.99%4.37 - 16.99%4.37 - 16.99%N/AN/A
ACHIEVA CREDIT UNIONCareer training loan (variable)4.25 - 17.07%4.25 - 17.07%4.37 - 17.18%4.37 - 17.18%4.37 - 17.18%N/AN/A
AFFINITYMedical school loan (variable)4.25 - 13.84%4.25 - 13.84%N/AN/AN/AN/AN/A
AFFINITYDental school loan (variable)4.25 - 13.84%4.25 - 13.84%N/AN/AN/AN/AN/A
AFFINITYMBA loan (variable)4.25 - 13.85%4.25 - 13.85%N/AN/AN/AN/AN/A
AFFINITYHealth professions loan (variable)4.25 - 13.85%4.25 - 13.85%N/AN/AN/AN/AN/A
AFFINITYLaw school loan (variable)4.25 - 13.85%4.25 - 13.85%N/AN/AN/AN/AN/A
AFFINITYGraduate school loan (variable)4.25 - 13.85%4.25 - 13.85%N/AN/AN/AN/AN/A
AFFINITYUndergraduate student loan (variable)4.25 - 16.87%4.25 - 16.87%N/AN/AN/AN/AN/A
AFFINITYCareer training loan (variable)4.25 - 17.07%4.25 - 17.07%N/AN/AN/AN/AN/A
ALLSOUTHMedical school loan (variable)4.25 - 13.84%N/AN/AN/AN/AN/AN/A
ALLSOUTHDental school loan (variable)4.25 - 13.84%N/AN/AN/AN/AN/AN/A
ALLSOUTHMBA loan (variable)4.25 - 13.85%N/AN/AN/AN/AN/AN/A
ALLSOUTHHealth professions loan (variable)4.25 - 13.85%N/AN/AN/AN/AN/AN/A
ALLSOUTHLaw school loan (variable)4.25 - 13.85%N/AN/AN/AN/AN/AN/A
ALLSOUTHGraduate school loan (variable)4.25 - 13.85%N/AN/AN/AN/AN/AN/A
ALLSOUTHUndergraduate student loan (variable)4.25 - 16.87%N/AN/AN/AN/AN/AN/A
ALLSOUTHCareer training loan (variable)4.25 - 17.07%N/AN/AN/AN/AN/AN/A
ALTAONEMedical school loan (variable)4.25 - 13.84%4.25 - 13.84%N/AN/AN/AN/AN/A
ALTAONEDental school loan (variable)4.25 - 13.84%4.25 - 13.84%N/AN/AN/AN/AN/A
ALTAONEMBA loan (variable)4.25 - 13.85%4.25 - 13.85%N/AN/AN/AN/AN/A
ALTAONEHealth professions loan (variable)4.25 - 13.85%4.25 - 13.85%N/AN/AN/AN/AN/A
ALTAONELaw school loan (variable)4.25 - 13.85%4.25 - 13.85%N/AN/AN/AN/AN/A
ALTAONEGraduate school loan (variable)4.25 - 13.85%4.25 - 13.85%N/AN/AN/AN/AN/A
ALTAONEUndergraduate student loan (variable)4.25 - 16.87%4.25 - 16.87%N/AN/AN/AN/AN/A
ALTAONECareer training loan (variable)4.25 - 17.07%4.25 - 17.07%N/AN/AN/AN/AN/A
NUMARKMedical residency loan (fixed)6.40 - 11.89%6.40 - 11.89%N/AN/AN/AN/AN/A
NUMARKDental residency loan (fixed)6.40 - 11.89%6.40 - 11.89%N/AN/AN/AN/AN/A
AMERICAN HERITAGEMedical residency loan (fixed)6.40 - 11.89%N/AN/AN/AN/AN/AN/A
AMERICAN HERITAGEDental residency loan (fixed)6.40 - 11.89%N/AN/AN/AN/AN/AN/A
NUMARKBar exam loan (fixed)7.01 - 15.26%7.01 - 15.26%N/AN/AN/AN/AN/A
AMERICAN HERITAGEBar exam loan (fixed)7.01 - 15.26%N/AN/AN/AN/AN/AN/A
—Credit-Based Loan (fixed)7.67 - 13.76%▼ 50 bps8.17 - 13.61%8.17 - 13.61%8.17 - 13.61%8.29 - 13.76%N/AN/A
—Credit-Based Loan (variable)7.74 - 13.75%▼ 53 bps8.27 - 13.64%8.27 - 13.64%8.27 - 13.64%8.24 - 13.60%N/AN/A
—Outcomes-Based Loan (fixed)12.79 - 14.78%▼ 7 bps12.86 - 14.85%12.86 - 14.85%12.86 - 14.85%12.98 - 14.93%N/AN/A
—Outcomes-Based Loan (variable)12.81 - 14.77%▼ 12 bps12.93 - 14.87%12.93 - 14.87%12.93 - 14.87%12.89 - 14.84%N/AN/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 slight but meaningful shifts this week, now is a smart time for borrowers, especially parents, to consider locking in rates before potential increases later in the academic year. Even small APR changes can add up over the life of a loan, so securing a lower fixed rate can translate into significant savings down the road. Students with variable-rate loans should monitor market trends closely; if you expect steady or rising rates, switching to a fixed option might be wise. Parents weighing loan options should act on recently reduced Parent PLUS rates like those at Unity Credit Union to maximize affordability. As you evaluate your choices, remember to compare terms beyond just APR, consider repayment flexibility and borrower protections too. For those ready to move forward, getting pre-approved or locking your rate soon could be your best next step toward manageable student debt and peace of mind throughout your educational journey.