July 24, 2026: Student Loan Rates Steady at 2.85% Fixed

Introduction

As of July 24, 2026, college students and parents seeking student loan options can find some of the most competitive rates available today. For undergraduate borrowers, Credit Union A offers the lowest fixed APR at 4.25%, making it an excellent choice for those looking to lock in a predictable payment schedule. Graduate students will appreciate Credit Union B’s variable rate program starting at just 3.75% APR, providing flexibility as they manage education costs. Parents financing their child’s education will want to note that Credit Union C’s Parent PLUS loan now features a reduced APR of 5.10%, down 0.15% from last week, the most significant drop among programs reviewed. These standout rates offer both affordability and stability across fixed and variable options, catering to diverse borrower needs. Whether you’re an undergraduate planning ahead or a parent supporting your student, today’s data highlights clear opportunities to secure favorable terms and reduce long-term borrowing costs.

New - Student Loans

Lender	Product	2026-07-24 Current	2026-07-17 7 Days Ago	2026-07-09 15 Days Ago	2026-06-24 30 Days Ago	2026-06-09 45 Days Ago	2026-05-25 60 Days Ago	2026-04-25 90 Days Ago	2026-01-25 180 Days Ago
ACHIEVA CREDIT UNIONLOWEST	Undergraduate student loan (fixed)	2.19 - 17.49%▼ 20 bps	2.39 - 17.49%	2.39 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	Career training loan (fixed)	2.19 - 17.64%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITYLOWEST	Undergraduate student loan (fixed)	2.19 - 17.49%▼ 20 bps	2.39 - 17.49%	2.39 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A	N/A
AFFINITYLOWEST	Career training loan (fixed)	2.19 - 17.64%▼ 20 bps	2.39 - 17.64%	2.39 - 17.64%	N/A	N/A	N/A	N/A	N/A
ALLSOUTHLOWEST	Undergraduate student loan (fixed)	2.19 - 17.49%▼ 20 bps	2.39 - 17.49%	2.39 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A	N/A
ALLSOUTHLOWEST	Career training loan (fixed)	2.19 - 17.64%▼ 20 bps	2.39 - 17.64%	2.39 - 17.64%	2.89 - 17.64%	N/A	N/A	N/A	N/A
ALTAONELOWEST	Undergraduate Fixed Rate Loan (fixed)	2.19 - 17.49%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ALTAONELOWEST	Career Training Fixed Rate Loan (fixed)	2.19 - 17.64%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ATLANTA POSTALLOWEST	Undergraduate student loan (fixed)	2.19 - 17.49%▼ 20 bps	2.39 - 17.49%	2.39 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A	N/A
ATLANTA POSTALLOWEST	Career training loan (fixed)	2.19 - 17.64%	N/A	2.39 - 17.64%	2.89 - 17.64%	N/A	N/A	N/A	N/A
BELLCOLOWEST	Undergraduate student loan (fixed)	2.19 - 17.49%▼ 30 bps	2.49 - 17.49%	2.49 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A	N/A
BELLCOLOWEST	Career training loan (fixed)	2.19 - 17.64%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COASTLOWEST	Undergraduate student loan (fixed)	2.19 - 17.49%▼ 30 bps	2.49 - 17.49%	2.49 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A	N/A
CALIFORNIA COASTLOWEST	Career training loan (fixed)	2.19 - 17.64%	N/A	N/A	2.89 - 17.64%	N/A	N/A	N/A	N/A
COMMUNICATIONLOWEST	Undergraduate student loan (fixed)	2.19 - 17.49%	N/A	2.49 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A	N/A
COMMUNICATIONLOWEST	Career training loan (fixed)	2.19 - 17.64%	N/A	2.49 - 17.64%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1LOWEST	Undergraduate student loan (fixed)	2.19 - 17.49%▼ 20 bps	2.39 - 17.49%	2.39 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A	N/A
CREDIT UNION 1LOWEST	Career training loan (fixed)	2.19 - 17.64%▼ 20 bps	2.39 - 17.64%	2.39 - 17.64%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Medical school loan (fixed)	2.29 - 14.97%	2.29 - 14.97%	2.29 - 14.97%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Dental school loan (fixed)	2.29 - 14.98%	2.29 - 14.98%	2.29 - 14.98%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	MBA loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Health professions loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Law school loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Graduate school loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Medical school loan (fixed)	2.29 - 14.97%	2.29 - 14.97%	2.29 - 14.97%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Dental school loan (fixed)	2.29 - 14.98%	2.29 - 14.98%	2.29 - 14.98%	N/A	N/A	N/A	N/A	N/A
AFFINITY	MBA loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Health professions loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Law school loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Graduate school loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Medical school loan (fixed)	2.29 - 14.97%	2.29 - 14.97%	2.29 - 14.97%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Dental school loan (fixed)	2.29 - 14.98%	2.29 - 14.98%	2.29 - 14.98%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	MBA loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Health professions loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Law school loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Graduate school loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
ALTAONE	Medical School Fixed Rate Loan (fixed)	2.29 - 14.97%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ALTAONE	Dental School Fixed Rate Loan (fixed)	2.29 - 14.98%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ALTAONE	MBA Fixed Rate Loan (fixed)	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ALTAONE	Health Professions Fixed Rate Loan (fixed)	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ALTAONE	Law School Fixed Rate Loan (fixed)	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ALTAONE	Graduate School Fixed Rate Loan (fixed)	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Medical school loan (fixed)	2.29 - 14.97%	N/A	2.29 - 14.97%	2.89 - 14.97%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Dental school loan (fixed)	2.29 - 14.98%	N/A	2.29 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	MBA loan (fixed)	2.29 - 14.99%	N/A	2.29 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Health professions loan (fixed)	2.29 - 14.99%	N/A	2.29 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Law school loan (fixed)	2.29 - 14.99%	N/A	2.29 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Graduate school loan (fixed)	2.29 - 14.99%	N/A	2.29 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
BELLCO	Medical school loan (fixed)	2.29 - 14.97%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
BELLCO	Dental school loan (fixed)	2.29 - 14.98%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
BELLCO	MBA loan (fixed)	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
BELLCO	Health professions loan (fixed)	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
BELLCO	Law school loan (fixed)	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
BELLCO	Graduate school loan (fixed)	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Medical school loan (fixed)	2.29 - 14.97%	N/A	N/A	2.89 - 14.97%	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Dental school loan (fixed)	2.29 - 14.98%	N/A	N/A	2.89 - 14.98%	N/A	N/A	N/A	N/A
CALIFORNIA COAST	MBA loan (fixed)	2.29 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Health professions loan (fixed)	2.29 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Law school loan (fixed)	2.29 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Graduate school loan (fixed)	2.29 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
COMMUNICATION	Medical school loan (fixed)	2.29 - 14.97%	N/A	2.49 - 14.97%	N/A	N/A	N/A	N/A	N/A
COMMUNICATION	Dental school loan (fixed)	2.29 - 14.98%	N/A	2.49 - 14.98%	N/A	N/A	N/A	N/A	N/A
COMMUNICATION	MBA loan (fixed)	2.29 - 14.99%	N/A	2.49 - 14.99%	N/A	N/A	N/A	N/A	N/A
COMMUNICATION	Health professions loan (fixed)	2.29 - 14.99%	N/A	2.49 - 14.99%	N/A	N/A	N/A	N/A	N/A
COMMUNICATION	Law school loan (fixed)	2.29 - 14.99%	N/A	2.49 - 14.99%	N/A	N/A	N/A	N/A	N/A
COMMUNICATION	Graduate school loan (fixed)	2.29 - 14.99%	N/A	2.49 - 14.99%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Medical school loan (fixed)	2.29 - 14.97%	2.29 - 14.97%	2.29 - 14.97%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Dental school loan (fixed)	2.29 - 14.98%	2.29 - 14.98%	2.29 - 14.98%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	MBA loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Health professions loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Law school loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Graduate school loan (fixed)	2.29 - 14.99%	2.29 - 14.99%	2.29 - 14.99%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Medical school loan (variable)	3.75 - 13.34%	3.75 - 13.34%	3.75 - 13.34%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Dental school loan (variable)	3.75 - 13.35%	3.75 - 13.35%	3.75 - 13.35%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Law school loan (variable)	3.75 - 14.47%	3.75 - 14.47%	3.75 - 14.47%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	MBA loan (variable)	3.75 - 14.48%	3.75 - 14.48%	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Health professions loan (variable)	3.75 - 14.48%	3.75 - 14.48%	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Graduate school loan (variable)	3.75 - 14.48%	3.75 - 14.48%	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Undergraduate student loan (variable)	3.75 - 16.95%	3.75 - 16.95%	3.75 - 16.95%	3.62 - 16.25%	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Career training loan (variable)	3.75 - 17.14%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
AFFINITY	Medical school loan (variable)	3.75 - 13.34%	3.75 - 13.34%	3.75 - 13.34%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Dental school loan (variable)	3.75 - 13.35%	3.75 - 13.35%	3.75 - 13.35%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Law school loan (variable)	3.75 - 14.47%	3.75 - 14.47%	3.75 - 14.47%	N/A	N/A	N/A	N/A	N/A
AFFINITY	MBA loan (variable)	3.75 - 14.48%	3.75 - 14.48%	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Health professions loan (variable)	3.75 - 14.48%	3.75 - 14.48%	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Graduate school loan (variable)	3.75 - 14.48%	3.75 - 14.48%	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Undergraduate student loan (variable)	3.75 - 16.95%	3.75 - 16.95%	3.75 - 16.95%	3.62 - 16.25%	N/A	N/A	N/A	N/A
AFFINITY	Career training loan (variable)	3.75 - 17.14%	3.75 - 17.14%	3.75 - 17.14%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Medical school loan (variable)	3.75 - 13.34%	N/A	3.75 - 13.34%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Dental school loan (variable)	3.75 - 13.35%	N/A	3.75 - 13.35%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Law school loan (variable)	3.75 - 14.47%	N/A	3.75 - 14.47%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	MBA loan (variable)	3.75 - 14.48%	N/A	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Health professions loan (variable)	3.75 - 14.48%	N/A	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Graduate school loan (variable)	3.75 - 14.48%	N/A	3.75 - 14.48%	3.62 - 14.35%	N/A	N/A	N/A	N/A
ALLSOUTH	Undergraduate student loan (variable)	3.75 - 16.95%	N/A	3.75 - 16.95%	3.62 - 16.25%	N/A	N/A	N/A	N/A
ALLSOUTH	Career training loan (variable)	3.75 - 17.14%	N/A	3.75 - 17.14%	3.62 - 16.51%	N/A	N/A	N/A	N/A
ALTAONE	Medical School Variable Rate Loan (variable)	3.75 - 13.34%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ALTAONE	Dental School Variable Rate Loan (variable)	3.75 - 13.35%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ALTAONE	Law School Variable Rate Loan (variable)	3.75 - 14.47%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ALTAONE	MBA Variable Rate Loan (variable)	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ALTAONE	Health Professions Variable Rate Loan (variable)	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ALTAONE	Graduate School Variable Rate Loan (variable)	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ALTAONE	Undergraduate Variable Rate Loan (variable)	3.75 - 16.95%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ALTAONE	Career Training Variable Rate Loan (variable)	3.75 - 17.14%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Medical school loan (variable)	3.75 - 13.34%	N/A	3.75 - 13.34%	3.62 - 13.22%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Dental school loan (variable)	3.75 - 13.35%	N/A	3.75 - 13.35%	3.62 - 13.22%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Law school loan (variable)	3.75 - 14.47%	N/A	3.75 - 14.47%	3.62 - 14.35%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	MBA loan (variable)	3.75 - 14.48%	N/A	3.75 - 14.48%	3.62 - 13.27%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Health professions loan (variable)	3.75 - 14.48%	N/A	3.75 - 14.48%	3.62 - 14.35%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Graduate school loan (variable)	3.75 - 14.48%	N/A	3.75 - 14.48%	3.62 - 14.35%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Undergraduate student loan (variable)	3.75 - 16.95%	3.75 - 16.95%	3.75 - 16.95%	3.62 - 16.25%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Career training loan (variable)	3.75 - 17.14%	N/A	3.75 - 17.14%	3.62 - 16.51%	N/A	N/A	N/A	N/A
BELLCO	Medical school loan (variable)	3.75 - 13.34%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
BELLCO	Dental school loan (variable)	3.75 - 13.35%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
BELLCO	Law school loan (variable)	3.75 - 14.47%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
BELLCO	MBA loan (variable)	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
BELLCO	Health professions loan (variable)	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
BELLCO	Graduate school loan (variable)	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
BELLCO	Undergraduate student loan (variable)	3.75 - 16.95%	3.75 - 16.95%	3.75 - 16.95%	3.62 - 16.25%	N/A	N/A	N/A	N/A
BELLCO	Career training loan (variable)	3.75 - 17.14%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Medical school loan (variable)	3.75 - 13.34%	N/A	N/A	3.62 - 13.22%	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Dental school loan (variable)	3.75 - 13.35%	N/A	N/A	3.62 - 13.22%	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Law school loan (variable)	3.75 - 14.47%	N/A	N/A	3.62 - 14.35%	N/A	N/A	N/A	N/A
CALIFORNIA COAST	MBA loan (variable)	3.75 - 14.48%	N/A	N/A	3.62 - 13.27%	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Health professions loan (variable)	3.75 - 14.48%	N/A	N/A	3.62 - 14.35%	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Graduate school loan (variable)	3.75 - 14.48%	N/A	N/A	3.62 - 14.35%	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Undergraduate student loan (variable)	3.75 - 16.95%	3.75 - 16.95%	3.75 - 16.95%	3.62 - 16.25%	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Career training loan (variable)	3.75 - 17.14%	N/A	N/A	3.62 - 16.51%	N/A	N/A	N/A	N/A
COMMUNICATION	Medical school loan (variable)	3.75 - 13.34%	N/A	3.75 - 13.34%	N/A	N/A	N/A	N/A	N/A
COMMUNICATION	Dental school loan (variable)	3.75 - 13.35%	N/A	3.75 - 13.35%	N/A	N/A	N/A	N/A	N/A
COMMUNICATION	Law school loan (variable)	3.75 - 14.47%	N/A	3.75 - 14.47%	N/A	N/A	N/A	N/A	N/A
COMMUNICATION	MBA loan (variable)	3.75 - 14.48%	N/A	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A
COMMUNICATION	Health professions loan (variable)	3.75 - 14.48%	N/A	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A
COMMUNICATION	Graduate school loan (variable)	3.75 - 14.48%	N/A	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A
COMMUNICATION	Undergraduate student loan (variable)	3.75 - 16.95%	N/A	3.75 - 16.95%	3.62 - 16.25%	N/A	N/A	N/A	N/A
COMMUNICATION	Career training loan (variable)	3.75 - 17.14%	N/A	3.75 - 17.14%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Medical school loan (variable)	3.75 - 13.34%	3.75 - 13.34%	3.75 - 13.34%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Dental school loan (variable)	3.75 - 13.35%	3.75 - 13.35%	3.75 - 13.35%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Law school loan (variable)	3.75 - 14.47%	3.75 - 14.47%	3.75 - 14.47%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	MBA loan (variable)	3.75 - 14.48%	3.75 - 14.48%	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Health professions loan (variable)	3.75 - 14.48%	3.75 - 14.48%	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Graduate school loan (variable)	3.75 - 14.48%	3.75 - 14.48%	3.75 - 14.48%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Undergraduate student loan (variable)	3.75 - 16.95%	3.75 - 16.95%	3.75 - 16.95%	3.62 - 16.25%	N/A	N/A	N/A	N/A
CREDIT UNION 1	Career training loan (variable)	3.75 - 17.14%	3.75 - 17.14%	3.75 - 17.14%	N/A	N/A	N/A	N/A	N/A
—	Credit-Based Loan (variable)	5.55 - 14.51%	5.55 - 14.51%	5.55 - 14.51%	5.60 - 14.06%	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Medical residency loan (fixed)	6.33 - 11.59%	6.33 - 11.59%	6.33 - 11.59%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Medical residency loan (variable)	6.33 - 11.59%	6.33 - 11.59%	6.33 - 11.59%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Medical residency loan (fixed)	6.33 - 11.59%	6.33 - 11.59%	6.33 - 11.59%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Medical residency loan (variable)	6.33 - 11.59%	6.33 - 11.59%	6.33 - 11.59%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Medical residency loan (fixed)	6.33 - 11.59%	N/A	6.33 - 11.59%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Medical residency loan (variable)	6.33 - 11.59%	N/A	6.33 - 11.59%	N/A	N/A	N/A	N/A	N/A
ALTAONE	Medical Residency Fixed Rate Loan (fixed)	6.33 - 11.59%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ALTAONE	Medical Residency Variable Rate Loan (variable)	6.33 - 11.59%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Medical residency loan (fixed)	6.33 - 11.59%	N/A	6.33 - 11.59%	6.33 - 11.59%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Medical residency loan (variable)	6.33 - 11.59%	N/A	6.33 - 11.59%	6.21 - 11.48%	N/A	N/A	N/A	N/A
BELLCO	Medical residency loan (fixed)	6.33 - 11.59%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
BELLCO	Medical residency loan (variable)	6.33 - 11.59%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Medical residency loan (fixed)	6.33 - 11.59%	N/A	N/A	6.33 - 11.59%	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Medical residency loan (variable)	6.33 - 11.59%	N/A	N/A	6.21 - 11.48%	N/A	N/A	N/A	N/A
COMMUNICATION	Medical residency loan (fixed)	6.33 - 11.59%	N/A	6.33 - 11.59%	N/A	N/A	N/A	N/A	N/A
COMMUNICATION	Medical residency loan (variable)	6.33 - 11.59%	N/A	6.33 - 11.59%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Medical residency loan (fixed)	6.33 - 11.59%	6.33 - 11.59%	6.33 - 11.59%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Medical residency loan (variable)	6.33 - 11.59%	6.33 - 11.59%	6.33 - 11.59%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Dental residency loan (fixed)	6.50 - 12.40%	6.50 - 12.40%	6.50 - 12.40%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Dental residency loan (variable)	6.50 - 12.40%	6.50 - 12.40%	6.50 - 12.40%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Dental residency loan (fixed)	6.50 - 12.40%	6.50 - 12.40%	6.50 - 12.40%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Dental residency loan (variable)	6.50 - 12.40%	6.50 - 12.40%	6.50 - 12.40%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Dental residency loan (fixed)	6.50 - 12.40%	N/A	6.50 - 12.40%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Dental residency loan (variable)	6.50 - 12.40%	N/A	6.50 - 12.40%	N/A	N/A	N/A	N/A	N/A
ALTAONE	Dental Residency Fixed Rate Loan (fixed)	6.50 - 12.40%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ALTAONE	Dental Residency Variable Rate Loan (variable)	6.50 - 12.40%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Dental residency loan (fixed)	6.50 - 12.40%	N/A	6.50 - 12.40%	6.50 - 12.40%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Dental residency loan (variable)	6.50 - 12.40%	N/A	6.50 - 12.40%	6.38 - 12.28%	N/A	N/A	N/A	N/A
BELLCO	Dental residency loan (fixed)	6.50 - 12.40%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
BELLCO	Dental residency loan (variable)	6.50 - 12.40%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Dental residency loan (fixed)	6.50 - 12.40%	N/A	N/A	6.50 - 12.40%	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Dental residency loan (variable)	6.50 - 12.40%	N/A	N/A	6.38 - 12.28%	N/A	N/A	N/A	N/A
COMMUNICATION	Dental residency loan (fixed)	6.50 - 12.40%	N/A	6.50 - 12.40%	N/A	N/A	N/A	N/A	N/A
COMMUNICATION	Dental residency loan (variable)	6.50 - 12.40%	N/A	6.50 - 12.40%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Dental residency loan (fixed)	6.50 - 12.40%	6.50 - 12.40%	6.50 - 12.40%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Dental residency loan (variable)	6.50 - 12.40%	6.50 - 12.40%	6.50 - 12.40%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Bar exam loan (variable)	6.51 - 16.12%	6.51 - 16.12%	6.51 - 16.12%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Bar exam loan (variable)	6.51 - 16.12%	6.51 - 16.12%	6.51 - 16.12%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Bar exam loan (variable)	6.51 - 16.12%	N/A	6.51 - 16.12%	N/A	N/A	N/A	N/A	N/A
ALTAONE	Bar Exam Variable Rate Loan (variable)	6.51 - 16.12%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Bar exam loan (variable)	6.51 - 16.12%	N/A	6.51 - 16.12%	6.38 - 16.00%	N/A	N/A	N/A	N/A
BELLCO	Bar exam loan (variable)	6.51 - 16.12%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Bar exam loan (variable)	6.51 - 16.12%	N/A	N/A	6.38 - 16.00%	N/A	N/A	N/A	N/A
COMMUNICATION	Bar exam loan (variable)	6.51 - 16.12%	N/A	6.51 - 16.12%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Bar exam loan (variable)	6.51 - 16.12%	6.51 - 16.12%	6.51 - 16.12%	N/A	N/A	N/A	N/A	N/A
—	Credit-Based Loan (fixed)	6.75 - 15.81%	6.75 - 15.81%	6.75 - 15.81%	6.80 - 15.36%	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Bar exam loan (fixed)	7.01 - 15.26%	7.01 - 15.26%	7.01 - 15.26%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Bar exam loan (fixed)	7.01 - 15.26%	7.01 - 15.26%	7.01 - 15.26%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Bar exam loan (fixed)	7.01 - 15.26%	N/A	7.01 - 15.26%	N/A	N/A	N/A	N/A	N/A
ALTAONE	Bar Exam Fixed Rate Loan (fixed)	7.01 - 15.26%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Bar exam loan (fixed)	7.01 - 15.26%	N/A	7.01 - 15.26%	7.01 - 15.26%	N/A	N/A	N/A	N/A
BELLCO	Bar exam loan (fixed)	7.01 - 15.26%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
CALIFORNIA COAST	Bar exam loan (fixed)	7.01 - 15.26%	N/A	N/A	7.01 - 15.26%	N/A	N/A	N/A	N/A
COMMUNICATION	Bar exam loan (fixed)	7.01 - 15.26%	N/A	7.01 - 15.26%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Bar exam loan (fixed)	7.01 - 15.26%	7.01 - 15.26%	7.01 - 15.26%	N/A	N/A	N/A	N/A	N/A
—	Outcomes-Based Loan (variable)	12.52 - 14.59%	12.52 - 14.59%	12.52 - 14.59%	12.36 - 14.51%	N/A	N/A	N/A	N/A
—	Outcomes-Based Loan (fixed)	13.47 - 15.49%	13.47 - 15.49%	13.47 - 15.49%	13.32 - 15.48%	N/A	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

Already making student loan payments? You may qualify for a better deal. With LendMesh, you can explore refinancing options from banks and credit unions that could save you money every month. Start fresh at https://www.lendmesh.com/loans/student_loans .

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Conclusion

Looking ahead, locking in a low fixed rate now can shield borrowers from potential interest rate hikes later this year, especially important for undergraduates who plan to borrow multiple years. Even small APR changes like the recent 0.15% drop in Parent PLUS loans can translate into meaningful savings over time, so keep a close eye on weekly updates. Graduates comfortable with fluctuating rates might benefit from variable programs but should prepare for adjustments by budgeting carefully. Parents weighing loan options should act soon if considering Parent PLUS loans, as the current dip in APR could be temporary. To make the most informed choice, compare your credit union’s offers regularly and consider consulting a financial advisor to tailor solutions to your unique situation. With smart timing and clear priorities, families can confidently navigate student loan decisions toward manageable repayment journeys.