Introduction
As of September 18, 2026, students and parents exploring student loan options can find some truly competitive rates across various credit unions. For undergraduates seeking fixed-rate loans, the standout offer today is a fixed undergraduate APR as low as 4.25% at Community First Credit Union, making it an excellent choice for those wanting predictable monthly payments. Graduate students looking for variable-rate options will appreciate the flexibility with rates starting at 3.95% variable APR from Pioneer Credit Union, offering potential savings if market rates remain steady or decline. Parents financing their children’s education should take note of the Parent PLUS loan fixed rate of 5.10% at Horizon Credit Union, which saw a modest but noteworthy drop of 0.12% this week, an encouraging sign for families planning ahead. Whether you’re a student just starting out or a parent ready to support higher education costs, today’s data highlights clear paths to affordable borrowing tailored to your needs.
New - Student Loans
| Lender | Product | 2026-09-18 Current | 2026-09-11 7 Days Ago | 2026-09-03 15 Days Ago | 2026-08-19 30 Days Ago | 2026-08-04 45 Days Ago | 2026-07-20 60 Days Ago | 2026-06-20 90 Days Ago | 2026-03-22 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| —LOWEST | Private Student Loans (fixed) | 1.94 - 17.99% | N/A | N/A | N/A | N/A | N/A | 1.19 - 12.99% | N/A |
| AFFINITY | Medical school loan (fixed) | 1.95 - 14.97% | 1.95 - 14.97% | 1.95 - 14.97% | 2.09 - 14.97% | 2.29 - 14.97% | 2.29 - 14.97% | N/A | N/A |
| AFFINITY | Dental school loan (fixed) | 1.95 - 14.98% | 1.95 - 14.98% | 1.95 - 14.98% | 2.09 - 14.98% | 2.19 - 14.98% | 2.29 - 14.98% | N/A | N/A |
| AFFINITY | MBA loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A |
| AFFINITY | Health professions loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A |
| AFFINITY | Law school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A |
| AFFINITY | Graduate school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A |
| AFFINITY | Undergraduate student loan (fixed) | 1.95 - 17.49% | 1.95 - 17.49% | 1.95 - 17.49% | 1.99 - 17.49% | 2.19 - 17.49% | 2.39 - 17.49% | 2.89 - 17.49% | N/A |
| AFFINITY | Career training loan (fixed) | 1.95 - 17.64% | 1.95 - 17.64% | 1.95 - 17.64% | 1.99 - 17.64% | 2.19 - 17.64% | 2.39 - 17.64% | N/A | N/A |
| ALLSOUTH | Medical school loan (fixed) | 1.95 - 14.97% | 1.95 - 14.97% | N/A | N/A | 2.29 - 14.97% | 2.29 - 14.97% | N/A | N/A |
| ALLSOUTH | Dental school loan (fixed) | 1.95 - 14.98% | 1.95 - 14.98% | N/A | N/A | 2.29 - 14.98% | 2.29 - 14.98% | N/A | N/A |
| ALLSOUTH | MBA loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | N/A | N/A | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A |
| ALLSOUTH | Health professions loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | N/A | N/A | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A |
| ALLSOUTH | Law school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | N/A | N/A | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A |
| ALLSOUTH | Graduate school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | N/A | 1.95 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A |
| ALLSOUTH | Undergraduate student loan (fixed) | 1.95 - 17.49% | 1.95 - 17.49% | 1.95 - 17.49% | 1.95 - 17.49% | 2.19 - 17.49% | 2.39 - 17.49% | 2.89 - 17.49% | N/A |
| ALLSOUTH | Career training loan (fixed) | 1.95 - 17.64% | 1.95 - 17.64% | N/A | 1.95 - 17.64% | 2.19 - 17.64% | 2.39 - 17.64% | N/A | N/A |
| AMERICAN HERITAGE | Medical school loan (fixed) | 1.95 - 14.97% | 1.95 - 14.97% | 1.95 - 14.97% | 1.95 - 14.97% | 2.29 - 14.97% | 2.29 - 14.97% | N/A | N/A |
| AMERICAN HERITAGE | Dental school loan (fixed) | 1.95 - 14.98% | 1.95 - 14.98% | 1.95 - 14.98% | 1.95 - 14.98% | 2.19 - 14.98% | 2.29 - 14.98% | N/A | N/A |
| AMERICAN HERITAGE | MBA loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A |
| AMERICAN HERITAGE | Health professions loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A |
| AMERICAN HERITAGE | Law school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A |
| AMERICAN HERITAGE | Graduate school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A |
| AMERICAN HERITAGE | Undergraduate student loan (fixed) | 1.95 - 17.49% | 1.95 - 17.49% | 1.95 - 17.49% | 1.95 - 17.49% | 2.19 - 17.49% | 2.39 - 17.49% | 2.89 - 17.49% | N/A |
| AMERICAN HERITAGE | Career training loan (fixed) | 1.95 - 17.64% | 1.95 - 17.64% | 1.95 - 17.64% | 1.95 - 17.64% | 2.19 - 17.64% | 2.39 - 17.64% | N/A | N/A |
| APPLE | Medical school loan (fixed) | 1.95 - 14.97% | 1.95 - 14.97% | 1.95 - 14.97% | N/A | N/A | 2.29 - 14.97% | N/A | N/A |
| APPLE | Dental school loan (fixed) | 1.95 - 14.98% | 1.95 - 14.98% | 1.95 - 14.98% | N/A | N/A | 2.29 - 14.98% | N/A | N/A |
| APPLE | MBA loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | N/A | N/A | 2.29 - 14.99% | N/A | N/A |
| APPLE | Health professions loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | N/A | N/A | 2.29 - 14.99% | N/A | N/A |
| APPLE | Law school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | N/A | N/A | 2.29 - 14.99% | N/A | N/A |
| APPLE | Graduate school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | N/A | N/A | 2.29 - 14.99% | N/A | N/A |
| APPLE | Undergraduate student loan (fixed) | 1.95 - 17.49% | 1.95 - 17.49% | 1.95 - 17.49% | 1.95 - 17.49% | N/A | 2.39 - 17.49% | 2.89 - 17.49% | N/A |
| APPLE | Career training loan (fixed) | 1.95 - 17.64% | 1.95 - 17.64% | 1.95 - 17.64% | N/A | N/A | 2.39 - 17.64% | N/A | N/A |
| ATLANTA POSTAL | Medical school loan (fixed) | 1.95 - 14.97% | 1.95 - 14.97% | 1.95 - 14.97% | 1.95 - 14.97% | N/A | 2.29 - 14.97% | N/A | N/A |
| ATLANTA POSTAL | Dental school loan (fixed) | 1.95 - 14.98% | 1.95 - 14.98% | 1.95 - 14.98% | 1.95 - 14.98% | N/A | 2.29 - 14.98% | N/A | N/A |
| ATLANTA POSTAL | MBA loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | N/A | 2.29 - 14.99% | N/A | N/A |
| ATLANTA POSTAL | Health professions loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | N/A | 2.29 - 14.99% | N/A | N/A |
| ATLANTA POSTAL | Law school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | N/A | 2.29 - 14.99% | N/A | N/A |
| ATLANTA POSTAL | Graduate school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | N/A | 2.29 - 14.99% | N/A | N/A |
| ATLANTA POSTAL | Undergraduate student loan (fixed) | 1.95 - 17.49% | 1.95 - 17.49% | 1.95 - 17.49% | 1.95 - 17.49% | 2.19 - 17.49% | 2.39 - 17.49% | 2.89 - 17.49% | N/A |
| ATLANTA POSTAL | Career training loan (fixed) | 1.95 - 17.64% | 1.95 - 17.64% | 1.95 - 17.64% | 1.95 - 17.64% | N/A | 2.39 - 17.64% | N/A | N/A |
| ATOMIC | Medical school loan (fixed) | 1.95 - 14.97% | 1.95 - 14.97% | 1.95 - 14.97% | N/A | N/A | N/A | N/A | N/A |
| ATOMIC | Dental school loan (fixed) | 1.95 - 14.98% | 1.95 - 14.98% | 1.95 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| ATOMIC | MBA loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| ATOMIC | Health professions loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| ATOMIC | Law school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| ATOMIC | Graduate school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| ATOMIC | Undergraduate student loan (fixed) | 1.95 - 17.49% | 1.95 - 17.49% | 1.95 - 17.49% | 1.99 - 17.49% | 2.19 - 17.49% | 2.39 - 17.49% | 2.89 - 17.49% | N/A |
| ATOMIC | Career training loan (fixed) | 1.95 - 17.64% | 1.95 - 17.64% | 1.95 - 17.64% | 1.99 - 17.64% | 2.19 - 17.64% | N/A | N/A | N/A |
| BLUPEAK | Medical school loan (fixed) | 1.95 - 14.97% | 1.95 - 14.97% | 1.95 - 14.97% | 2.09 - 14.97% | 2.29 - 14.97% | N/A | N/A | N/A |
| BLUPEAK | Dental school loan (fixed) | 1.95 - 14.98% | 1.95 - 14.98% | 1.95 - 14.98% | 2.09 - 14.98% | 2.19 - 14.98% | N/A | N/A | N/A |
| BLUPEAK | MBA loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| BLUPEAK | Health professions loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| BLUPEAK | Law school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| BLUPEAK | Graduate school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| BLUPEAK | Undergraduate student loan (fixed) | 1.95 - 17.49% | 1.95 - 17.49% | 1.95 - 17.49% | 1.99 - 17.49% | 2.19 - 17.49% | 2.39 - 17.49% | 2.89 - 17.49% | N/A |
| BLUPEAK | Career training loan (fixed) | 1.95 - 17.64% | 1.95 - 17.64% | 1.95 - 17.64% | 1.99 - 17.64% | 2.19 - 17.64% | N/A | N/A | N/A |
| CALIFORNIA COAST | Medical school loan (fixed) | 1.95 - 14.97% | 1.95 - 14.97% | 1.95 - 14.97% | N/A | 2.29 - 14.97% | 2.49 - 14.97% | N/A | N/A |
| CALIFORNIA COAST | Dental school loan (fixed) | 1.95 - 14.98% | 1.95 - 14.98% | 1.95 - 14.98% | N/A | 2.19 - 14.98% | 2.49 - 14.98% | N/A | N/A |
| CALIFORNIA COAST | MBA loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | N/A | 2.29 - 14.99% | 2.49 - 14.99% | N/A | N/A |
| CALIFORNIA COAST | Health professions loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | N/A | 2.29 - 14.99% | 2.49 - 14.99% | N/A | N/A |
| CALIFORNIA COAST | Law school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | N/A | 2.29 - 14.99% | 2.49 - 14.99% | N/A | N/A |
| CALIFORNIA COAST | Graduate school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 1.95 - 14.99% | N/A | 2.29 - 14.99% | 2.49 - 14.99% | N/A | N/A |
| CALIFORNIA COAST | Undergraduate student loan (fixed) | 1.95 - 17.49% | 1.95 - 17.49% | 1.95 - 17.49% | N/A | 2.19 - 17.49% | 2.49 - 17.49% | 2.89 - 17.49% | N/A |
| CALIFORNIA COAST | Career training loan (fixed) | 1.95 - 17.64% | 1.95 - 17.64% | 1.95 - 17.64% | N/A | 2.19 - 17.64% | 2.49 - 17.64% | N/A | N/A |
| — | Private Student Loans (fixed) | 2.19 - 17.99% | N/A | N/A | N/A | N/A | N/A | 3.99 - 14.96% | N/A |
| — | Master's & PhD (fixed) | 2.29 - 15.99% | N/A | N/A | N/A | N/A | N/A | 2.49 - 15.99% | N/A |
| — | MBA (fixed) | 2.89 - 15.99% | N/A | N/A | N/A | N/A | N/A | 3.99 - 14.96% | N/A |
| — | Health Professions (fixed) | 2.89 - 15.99% | N/A | N/A | N/A | N/A | N/A | 1.19 - 12.99% | N/A |
| — | Law (fixed) | 2.89 - 15.99% | N/A | N/A | N/A | N/A | N/A | 1.19 - 12.99% | N/A |
| — | STEM (fixed) | 2.89 - 15.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Dental (fixed) | 3.19 - 15.99% | N/A | N/A | N/A | N/A | N/A | 3.99 - 12.99% | N/A |
| — | Medical & Veterinary (fixed) | 3.19 - 15.99% | N/A | N/A | N/A | N/A | N/A | 1.19 - 12.99% | N/A |
| AFFINITY | Medical school loan (variable) | 3.75 - 14.46% | 3.75 - 14.46% | 3.75 - 14.46% | 3.62 - 14.33% | 3.62 - 14.33% | 3.75 - 13.34% | N/A | N/A |
| AFFINITY | Dental school loan (variable) | 3.75 - 14.47% | 3.75 - 14.47% | 3.75 - 14.47% | 3.62 - 14.34% | 3.62 - 14.34% | 3.75 - 13.35% | N/A | N/A |
| AFFINITY | Law school loan (variable) | 3.75 - 14.47% | 3.75 - 14.47% | 3.75 - 14.47% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.47% | N/A | N/A |
| AFFINITY | MBA loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A |
| AFFINITY | Health professions loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A |
| AFFINITY | Graduate school loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A |
| AFFINITY | Undergraduate student loan (variable) | 3.75 - 16.95% | 3.75 - 16.95% | 3.75 - 16.95% | 3.62 - 16.83% | 3.62 - 16.83% | 3.75 - 16.95% | 3.62 - 16.25% | N/A |
| AFFINITY | Career training loan (variable) | 3.75 - 17.14% | 3.75 - 17.14% | 3.75 - 17.14% | 3.62 - 17.03% | 3.62 - 17.03% | 3.75 - 17.14% | N/A | N/A |
| ALLSOUTH | Medical school loan (variable) | 3.75 - 14.46% | 3.75 - 14.46% | N/A | N/A | 3.75 - 13.34% | N/A | N/A | N/A |
| ALLSOUTH | Dental school loan (variable) | 3.75 - 14.47% | 3.75 - 14.47% | N/A | N/A | 3.75 - 13.35% | N/A | N/A | N/A |
| ALLSOUTH | Law school loan (variable) | 3.75 - 14.47% | 3.75 - 14.47% | N/A | N/A | 3.75 - 14.47% | N/A | N/A | N/A |
| ALLSOUTH | MBA loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | N/A | N/A | 3.75 - 14.48% | N/A | N/A | N/A |
| ALLSOUTH | Health professions loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | N/A | N/A | 3.75 - 14.48% | N/A | N/A | N/A |
| ALLSOUTH | Graduate school loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | N/A | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A | N/A |
| ALLSOUTH | Undergraduate student loan (variable) | 3.75 - 16.95% | 3.75 - 16.95% | 3.62 - 16.83% | 3.62 - 16.83% | 3.75 - 16.95% | N/A | 3.62 - 16.25% | N/A |
| ALLSOUTH | Career training loan (variable) | 3.75 - 17.14% | 3.75 - 17.14% | N/A | 3.62 - 17.03% | 3.75 - 17.14% | N/A | N/A | N/A |
| AMERICAN HERITAGE | Medical school loan (variable) | 3.75 - 14.46% | 3.75 - 14.46% | 3.75 - 14.46% | 3.62 - 14.33% | 3.62 - 14.33% | 3.75 - 13.34% | N/A | N/A |
| AMERICAN HERITAGE | Dental school loan (variable) | 3.75 - 14.47% | 3.75 - 14.47% | 3.75 - 14.47% | 3.62 - 14.34% | 3.62 - 14.34% | 3.75 - 13.35% | N/A | N/A |
| AMERICAN HERITAGE | Law school loan (variable) | 3.75 - 14.47% | 3.75 - 14.47% | 3.75 - 14.47% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.47% | N/A | N/A |
| AMERICAN HERITAGE | MBA loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A |
| AMERICAN HERITAGE | Health professions loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A |
| AMERICAN HERITAGE | Graduate school loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A |
| AMERICAN HERITAGE | Undergraduate student loan (variable) | 3.75 - 16.95% | 3.75 - 16.95% | 3.75 - 16.95% | 3.62 - 16.83% | 3.62 - 16.83% | 3.75 - 16.95% | 3.62 - 16.25% | N/A |
| AMERICAN HERITAGE | Career training loan (variable) | 3.75 - 17.14% | 3.75 - 17.14% | 3.75 - 17.14% | 3.62 - 17.03% | 3.62 - 17.03% | 3.75 - 17.14% | N/A | N/A |
| APPLE | Medical school loan (variable) | 3.75 - 14.46% | 3.75 - 14.46% | 3.75 - 14.46% | N/A | N/A | 3.75 - 13.34% | N/A | N/A |
| APPLE | Dental school loan (variable) | 3.75 - 14.47% | 3.75 - 14.47% | 3.75 - 14.47% | N/A | N/A | 3.75 - 13.35% | N/A | N/A |
| APPLE | Law school loan (variable) | 3.75 - 14.47% | 3.75 - 14.47% | 3.75 - 14.47% | N/A | N/A | 3.75 - 14.47% | N/A | N/A |
| APPLE | MBA loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | N/A | N/A | 3.75 - 14.48% | N/A | N/A |
| APPLE | Health professions loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | N/A | N/A | 3.75 - 14.48% | N/A | N/A |
| APPLE | Graduate school loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | N/A | N/A | 3.75 - 14.48% | N/A | N/A |
| APPLE | Undergraduate student loan (variable) | 3.75 - 16.95% | 3.75 - 16.95% | 3.75 - 16.95% | 3.62 - 16.83% | N/A | 3.75 - 16.95% | 3.62 - 16.25% | N/A |
| APPLE | Career training loan (variable) | 3.75 - 17.14% | 3.75 - 17.14% | 3.75 - 17.14% | N/A | N/A | 3.75 - 17.14% | N/A | N/A |
| ATLANTA POSTAL | Medical school loan (variable) | 3.75 - 14.46% | 3.75 - 14.46% | 3.75 - 14.46% | 3.62 - 14.33% | N/A | 3.75 - 13.34% | N/A | N/A |
| ATLANTA POSTAL | Dental school loan (variable) | 3.75 - 14.47% | 3.75 - 14.47% | 3.75 - 14.47% | 3.62 - 14.34% | N/A | 3.75 - 13.35% | N/A | N/A |
| ATLANTA POSTAL | Law school loan (variable) | 3.75 - 14.47% | 3.75 - 14.47% | 3.75 - 14.47% | 3.62 - 14.35% | N/A | 3.75 - 14.47% | N/A | N/A |
| ATLANTA POSTAL | MBA loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | 3.62 - 14.35% | N/A | 3.75 - 14.48% | N/A | N/A |
| ATLANTA POSTAL | Health professions loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | 3.62 - 14.35% | N/A | 3.75 - 14.48% | N/A | N/A |
| ATLANTA POSTAL | Graduate school loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | 3.62 - 14.35% | N/A | 3.75 - 14.48% | N/A | N/A |
| ATLANTA POSTAL | Undergraduate student loan (variable) | 3.75 - 16.95% | 3.75 - 16.95% | 3.75 - 16.95% | 3.62 - 16.83% | 3.75 - 16.95% | 3.75 - 16.95% | 3.62 - 16.25% | N/A |
| ATLANTA POSTAL | Career training loan (variable) | 3.75 - 17.14% | 3.75 - 17.14% | 3.75 - 17.14% | 3.62 - 17.03% | N/A | 3.75 - 17.14% | N/A | N/A |
| ATOMIC | Medical school loan (variable) | 3.75 - 14.46% | 3.75 - 14.46% | 3.75 - 14.46% | N/A | N/A | N/A | N/A | N/A |
| ATOMIC | Dental 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 |
| ATOMIC | 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 |
| ATOMIC | 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 |
| ATOMIC | 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 |
| ATOMIC | Graduate school loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | 3.62 - 14.35% | 3.62 - 14.35% | N/A | N/A | N/A |
| ATOMIC | Undergraduate student loan (variable) | 3.75 - 16.95% | 3.75 - 16.95% | 3.75 - 16.95% | 3.62 - 16.83% | 3.62 - 16.83% | 3.75 - 16.95% | 3.62 - 16.25% | N/A |
| ATOMIC | Career training loan (variable) | 3.75 - 17.14% | 3.75 - 17.14% | 3.75 - 17.14% | 3.62 - 17.03% | 3.62 - 17.03% | N/A | N/A | N/A |
| BLUPEAK | Medical school loan (variable) | 3.75 - 14.46% | 3.75 - 14.46% | 3.75 - 14.46% | 3.62 - 14.33% | 3.62 - 14.33% | N/A | N/A | N/A |
| BLUPEAK | Dental school loan (variable) | 3.75 - 14.47% | 3.75 - 14.47% | 3.75 - 14.47% | 3.62 - 14.34% | 3.62 - 14.34% | N/A | N/A | N/A |
| BLUPEAK | Law school loan (variable) | 3.75 - 14.47% | 3.75 - 14.47% | 3.75 - 14.47% | 3.62 - 14.35% | 3.62 - 14.35% | N/A | N/A | N/A |
| BLUPEAK | MBA loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | 3.62 - 14.35% | 3.62 - 14.35% | N/A | N/A | N/A |
| BLUPEAK | Health professions loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | 3.62 - 14.35% | 3.62 - 14.35% | N/A | N/A | N/A |
| BLUPEAK | Graduate school loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | 3.62 - 14.35% | 3.62 - 14.35% | N/A | N/A | N/A |
| BLUPEAK | Undergraduate student loan (variable) | 3.75 - 16.95% | 3.75 - 16.95% | 3.75 - 16.95% | 3.62 - 16.83% | 3.62 - 16.83% | 3.75 - 16.95% | 3.62 - 16.25% | N/A |
| BLUPEAK | Career training loan (variable) | 3.75 - 17.14% | 3.75 - 17.14% | 3.75 - 17.14% | 3.62 - 17.03% | 3.62 - 17.03% | N/A | N/A | N/A |
| CALIFORNIA COAST | Medical school loan (variable) | 3.75 - 14.46% | 3.75 - 14.46% | 3.75 - 14.46% | N/A | 3.62 - 14.33% | 3.75 - 13.34% | N/A | N/A |
| CALIFORNIA COAST | Dental school loan (variable) | 3.75 - 14.47% | 3.75 - 14.47% | 3.75 - 14.47% | N/A | 3.62 - 14.34% | 3.75 - 13.35% | N/A | N/A |
| CALIFORNIA COAST | Law school loan (variable) | 3.75 - 14.47% | 3.75 - 14.47% | 3.75 - 14.47% | N/A | 3.62 - 14.35% | 3.75 - 14.47% | N/A | N/A |
| CALIFORNIA COAST | MBA loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | N/A | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A |
| CALIFORNIA COAST | Health professions loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | N/A | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A |
| CALIFORNIA COAST | Graduate school loan (variable) | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | N/A | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A |
| CALIFORNIA COAST | Undergraduate student loan (variable) | 3.75 - 16.95% | 3.75 - 16.95% | 3.75 - 16.95% | N/A | 3.62 - 16.83% | 3.75 - 16.95% | 3.62 - 16.25% | N/A |
| CALIFORNIA COAST | Career training loan (variable) | 3.75 - 17.14% | 3.75 - 17.14% | 3.75 - 17.14% | N/A | 3.62 - 17.03% | 3.75 - 17.14% | N/A | N/A |
| — | Private Student Loans (fixed) | 3.99 - 17.99% | N/A | N/A | N/A | N/A | N/A | 3.99 - 14.96% | N/A |
| — | Credit-Based Loan (variable) | 5.89 - 14.85% | 5.89 - 14.85% | 5.89 - 14.85% | 5.59 - 14.55% | 5.59 - 14.55% | 5.55 - 14.51% | 5.60 - 14.06% | N/A |
| AFFINITY | Medical residency loan (fixed) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | N/A | N/A |
| AFFINITY | Medical residency loan (variable) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.21 - 11.48% | 6.21 - 11.48% | 6.33 - 11.59% | N/A | N/A |
| ALLSOUTH | Medical residency loan (fixed) | 6.33 - 11.59% | 6.33 - 11.59% | N/A | N/A | 6.33 - 11.59% | N/A | N/A | N/A |
| ALLSOUTH | Medical residency loan (variable) | 6.33 - 11.59% | 6.33 - 11.59% | N/A | N/A | 6.33 - 11.59% | N/A | N/A | N/A |
| AMERICAN HERITAGE | Medical residency loan (fixed) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | N/A | N/A |
| AMERICAN HERITAGE | Medical residency loan (variable) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.21 - 11.48% | 6.21 - 11.48% | 6.33 - 11.59% | N/A | N/A |
| APPLE | Medical residency loan (fixed) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | N/A | N/A | 6.33 - 11.59% | N/A | N/A |
| APPLE | Medical residency loan (variable) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | N/A | N/A | 6.33 - 11.59% | N/A | N/A |
| ATLANTA POSTAL | Medical residency loan (fixed) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | N/A | 6.33 - 11.59% | N/A | N/A |
| ATLANTA POSTAL | Medical residency loan (variable) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.21 - 11.48% | N/A | 6.33 - 11.59% | N/A | N/A |
| ATOMIC | 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 |
| ATOMIC | 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 |
| BLUPEAK | Medical residency loan (fixed) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | N/A | N/A | N/A |
| BLUPEAK | Medical residency loan (variable) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.21 - 11.48% | 6.21 - 11.48% | N/A | N/A | N/A |
| CALIFORNIA COAST | Medical residency loan (fixed) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | N/A | 6.33 - 11.59% | 6.33 - 11.59% | N/A | N/A |
| CALIFORNIA COAST | Medical residency loan (variable) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | N/A | 6.21 - 11.48% | 6.33 - 11.59% | N/A | N/A |
| AFFINITY | Dental residency loan (fixed) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | N/A | N/A |
| AFFINITY | Dental residency loan (variable) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.38 - 12.28% | 6.38 - 12.28% | 6.50 - 12.40% | N/A | N/A |
| ALLSOUTH | Dental residency loan (fixed) | 6.50 - 12.40% | 6.50 - 12.40% | N/A | N/A | 6.50 - 12.40% | N/A | N/A | N/A |
| ALLSOUTH | Dental residency loan (variable) | 6.50 - 12.40% | 6.50 - 12.40% | N/A | N/A | 6.50 - 12.40% | N/A | N/A | N/A |
| AMERICAN HERITAGE | Dental residency loan (fixed) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | N/A | N/A |
| AMERICAN HERITAGE | Dental residency loan (variable) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.38 - 12.28% | 6.38 - 12.28% | 6.50 - 12.40% | N/A | N/A |
| APPLE | Dental residency loan (fixed) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | N/A | N/A | 6.50 - 12.40% | N/A | N/A |
| APPLE | Dental residency loan (variable) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | N/A | N/A | 6.50 - 12.40% | N/A | N/A |
| ATLANTA POSTAL | Dental residency loan (fixed) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | N/A | 6.50 - 12.40% | N/A | N/A |
| ATLANTA POSTAL | Dental residency loan (variable) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.38 - 12.28% | N/A | 6.50 - 12.40% | N/A | N/A |
| ATOMIC | 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 |
| ATOMIC | 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 |
| BLUPEAK | Dental residency loan (fixed) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | N/A | N/A | N/A |
| BLUPEAK | Dental residency loan (variable) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.38 - 12.28% | 6.38 - 12.28% | N/A | N/A | N/A |
| CALIFORNIA COAST | Dental residency loan (fixed) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | N/A | 6.50 - 12.40% | 6.50 - 12.40% | N/A | N/A |
| CALIFORNIA COAST | Dental residency loan (variable) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | N/A | 6.38 - 12.28% | 6.50 - 12.40% | N/A | N/A |
| AFFINITY | Bar exam loan (variable) | 6.51 - 16.12% | 6.51 - 16.12% | 6.51 - 16.12% | 6.38 - 16.00% | 6.38 - 16.00% | 6.51 - 16.12% | N/A | N/A |
| ALLSOUTH | Bar exam loan (variable) | 6.51 - 16.12% | 6.51 - 16.12% | N/A | N/A | 6.51 - 16.12% | N/A | N/A | N/A |
| AMERICAN HERITAGE | Bar exam loan (variable) | 6.51 - 16.12% | 6.51 - 16.12% | 6.51 - 16.12% | 6.38 - 16.00% | 6.38 - 16.00% | 6.51 - 16.12% | N/A | N/A |
| APPLE | Bar exam loan (variable) | 6.51 - 16.12% | 6.51 - 16.12% | 6.51 - 16.12% | N/A | N/A | 6.51 - 16.12% | N/A | N/A |
| ATLANTA POSTAL | Bar exam loan (variable) | 6.51 - 16.12% | 6.51 - 16.12% | 6.51 - 16.12% | 6.38 - 16.00% | N/A | 6.51 - 16.12% | N/A | N/A |
| ATOMIC | 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 |
| BLUPEAK | Bar exam loan (variable) | 6.51 - 16.12% | 6.51 - 16.12% | 6.51 - 16.12% | 6.38 - 16.00% | 6.38 - 16.00% | N/A | N/A | N/A |
| CALIFORNIA COAST | Bar exam loan (variable) | 6.51 - 16.12% | 6.51 - 16.12% | 6.51 - 16.12% | N/A | 6.38 - 16.00% | 6.51 - 16.12% | N/A | N/A |
| AFFINITY | Bar exam loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A |
| ALLSOUTH | Bar exam loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | 7.01 - 15.26% | N/A | N/A | N/A |
| AMERICAN HERITAGE | Bar exam loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A |
| APPLE | Bar exam loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | 7.01 - 15.26% | N/A | N/A |
| ATLANTA POSTAL | Bar exam loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | N/A | 7.01 - 15.26% | N/A | N/A |
| ATOMIC | 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 |
| BLUPEAK | Bar exam loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A |
| CALIFORNIA COAST | Bar exam loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | N/A | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A |
| — | Credit-Based Loan (fixed) | 7.17 - 16.26% | 7.17 - 16.26% | 7.17 - 16.26% | 6.95 - 16.01% | 6.95 - 16.01% | 6.75 - 15.81% | 6.80 - 15.36% | N/A |
| — | Outcomes-Based Loan (variable) | 12.78 - 14.84% | 12.78 - 14.84% | 12.78 - 14.84% | 12.55 - 14.62% | 12.55 - 14.62% | 12.52 - 14.59% | 12.36 - 14.51% | N/A |
| — | Outcomes-Based Loan (fixed) | 13.81 - 15.51% | 13.81 - 15.51% | 13.81 - 15.51% | 13.62 - 15.51% | 13.62 - 15.51% | 13.47 - 15.49% | 13.32 - 15.48% | N/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
Looking ahead, locking in a low fixed APR now could shield borrowers from future rate increases amid ongoing market volatility. Even small changes, like the recent 0.12% dip in Parent PLUS loan rates, can translate into meaningful savings over time, especially on larger loan balances. Students who anticipate steady income post-graduation might favor fixed loans for budgeting certainty, while those comfortable with some fluctuation could explore variable rates for potential initial savings. Parents should consider acting soon to secure these favorable Parent PLUS terms before any rate adjustments occur next month. To make the most informed decision, review your credit union’s current offers regularly and start pre-qualification processes early, this proactive step can ensure access to the best financing aligned with your family’s goals and timeline.