Student Loans in 2025: What San Antonio Borrowers Should Know About Rates, Refinancing, and Relief

If you’re a student, parent, or recent graduate in San Antonio, there’s a lot to consider before taking out, or paying off, student loans in 2025. With changing interest rates, new government updates, and better local options, it’s more important than ever to understand what you're signing up for.

At River City Federal Credit Union, we believe the best loan is one you fully understand. Whether you're planning for college or managing your payments after graduation, here’s what you should know right now about student loans and how to make smart decisions that work for your future.

1. Rates Are Still Changing, Pay Attention to the Fine Print

Interest rates for student loans have shifted over the last few years, and 2025 is no exception. Federal loan rates are set by the government, while private and credit union rates can vary. A lower rate means you’ll pay less over time, so it's worth comparing before you borrow.

When you're looking at your options, ask:

●        Is the rate fixed or variable?

●        How long will I have to repay the loan?

●        Are there any fees I should know about?

At River City FCU, we offer competitive fixed rates for student loans, so your monthly payments stay the same. That makes it easier to budget and avoid surprises later.

2. Refinancing Can Help You Save, But Only If It’s the Right Time

If you already have student loans, refinancing could help you lower your interest rate or simplify your monthly payments. This means taking your existing loan and replacing it with a new one, often with better terms.

Refinancing is a good option if:

●        Your credit score has improved

●        You have a steady income

●        You want to combine multiple loans into one

But it’s not for everyone. If you refinance federal loans with a private lender, you could lose benefits like income-based repayment or forgiveness programs. That’s why it’s important to talk to a local expert before you decide. Our team can walk you through what refinancing might look like for your specific situation.

3. More Borrowers Qualify for Relief in 2025

There’s been a lot of news about student loan forgiveness and government programs, especially after the payment pause during the pandemic. In 2025, some of those updates are now active and can make a big difference.

You may qualify for relief if:

●        You work in public service or teaching

●        You’ve made payments for 20–25 years

●        You were part of an income-driven repayment plan

Many people miss out on these opportunities because they don’t know they’re eligible. If you're unsure, we can help you look into your current loans and find out what relief options may apply to you.

4. Private Student Loans Can Be a Smart Local Choice

While federal loans are usually the first step, they may not cover everything. That’s where private student loans come in. If you need extra help covering tuition, books, or housing, local lenders like River City FCU can offer flexible, affordable options.

Benefits of choosing a local lender:

●        Personalized support from real people in San Antonio

●        No big bank pressure or hidden fees

●        Clear loan terms and repayment options

We understand what students and families in our community need, and we’re here to help, not just lend.

5. Know Your Repayment Plan Before You Borrow

One of the smartest things you can do before accepting student loans is to understand how you’ll repay them. Many students focus only on getting approved, but thinking ahead can help you avoid future stress.

Here are a few tips:

●        Estimate your future income and monthly loan payments

●        Explore grace periods (when repayment starts)

●        Know what happens if you can’t pay on time

We help students in San Antonio build realistic plans, so they feel confident, not confused, about their loan journey. Whether you're still in school or about to graduate, our team is ready to support you every step of the way.

Final Thoughts: Let’s Make Student Loans Easier

Student loans can feel overwhelming, but they don’t have to be. With the right information, smart planning, and a trusted partner by your side, you can borrow with confidence and stay in control.

At River City Federal Credit Union, we make it easy to apply, ask questions, and manage your loans with personal service. Whether you’re just starting college or thinking about refinancing, we’re here to help.

Need support with your student loans? Learn more or apply now.