December 26, 2025: Lowest Student Loan Rates Hold at 3.61% Fixed for Refinancing

As of December 26, 2025, students and parents exploring student loan options can find some truly competitive rates to help finance education without breaking the bank. For undergraduates seeking fixed-rate loans, Credit Union A offers the lowest APR at just 4.25%, making it an excellent choice for locking in steady payments. Graduate students will be pleased to see Credit Union B’s variable-rate program starting at 3.75%, offering flexibility and potential savings as rates adjust. Parents looking to support their children’s education should consider the Parent PLUS loans from Credit Union C, now available at a highly attractive 5.50% APR, which is among the lowest this season. Notably, the Parent PLUS loan APR has decreased by 0.10% over the past week, signaling a favorable trend for borrowers planning ahead. Whether you’re a first-time borrower or refinancing existing debt, today’s rates across these credit unions provide strong opportunities to secure affordable financing tailored to your unique needs.