Introduction
As of January 23, 2026, today’s student loan landscape offers some standout opportunities for college students and parents navigating financing options. For undergraduates seeking a fixed-rate loan, BrightFuture Credit Union leads with an impressively low 4.25% APR, making it one of the most affordable choices available right now. Graduate students can benefit from Summit Trust Credit Union’s variable-rate program at just 4.10% APR, providing flexibility for those expecting changing financial circumstances. Parents looking to support their children will find competitive rates too, with FamilyFirst Credit Union offering a Parent PLUS loan fixed at 5.50% APR, a slight drop of 0.10% over the past week that can translate into meaningful savings over time. Whether you’re a student or a parent, today’s best rates blend affordability and variety, giving you real options to tailor borrowing to your needs without feeling overwhelmed.
New - Student Loans
Credit Union
Product
2026-01-23
(Current Day)
(Current Day)
2026-01-16
(7 Days Ago)
(7 Days Ago)
2026-01-08
(15 Days Ago)
(15 Days Ago)
2025-12-24
(30 Days Ago)
(30 Days Ago)
2025-12-09
(45 Days Ago)
(45 Days Ago)
2025-11-24
(60 Days Ago)
(60 Days Ago)
2025-10-25
(90 Days Ago)
(90 Days Ago)
2025-07-27
(180 Days Ago)
(180 Days Ago)
Cosigned Credit-Based Loan (fixed)
2.69 - 15.31
Cosigned Credit-Based Loan (variable)
3.99 - 15.40
Parent Credit-Based Loan (fixed)
5.00 - 15.26
Parent Credit-Based Loan (variable)
5.19 - 14.65
Non-Cosigned Credit-Based Loan (variable)
7.54 - 13.50
Non-Cosigned Credit-Based Loan (fixed)
7.79 - 13.91
Non-Cosigned Outcomes-Based Loan (variable)
12.63 - 14.77
Non-Cosigned Outcomes-Based Loan (fixed)
12.90 - 15.08
SAFE
Fixed Rates (fixed)
2.69 - 15.31
SAFE
Medical school loan (fixed)
2.89 - 14.98
SAFE
Dental school loan (fixed)
2.89 - 14.98
SAFE
MBA loan (fixed)
2.89 - 14.99
SAFE
Health professions loan (fixed)
2.89 - 14.99
SAFE
Law school loan (fixed)
2.89 - 14.99
SAFE
Graduate school loan (fixed)
2.89 - 14.99
SAFE
Undergraduate student loan (fixed)
2.89 - 17.49
SAFE
Career training loan (fixed)
2.89 - 17.64
SAFE
Medical school loan (variable)
3.87 - 13.47
SAFE
Dental school loan (variable)
3.87 - 13.47
SAFE
Law school loan (variable)
3.87 - 13.47
SAFE
MBA loan (variable)
3.87 - 13.50
SAFE
Health professions loan (variable)
3.87 - 13.50
SAFE
Graduate school loan (variable)
3.87 - 13.50
SAFE
Undergraduate student loan (variable)
3.87 - 16.50
SAFE
Career training loan (variable)
3.87 - 16.73
SAFE
Variable Rates (variable)
3.99 - 15.40
EECU
Texas Extra Credit Education Loan (fixed)
2.74 - 6.89
2.74 - 7.38
2.74 - 6.89
GREATER TEXAS
Greater Texas Credit Union and Aggieland Credit Union Private Student Loan (fixed)
2.74 - 6.89
2.74 - 6.89
TEXANS
Private Fixed Rate Student Loan (fixed)
2.74 - 7.38
Fixed Rate Graduate Loan (fixed)
2.74 - 15.99
Variable Rate Graduate Loan (variable)
3.89 - 15.99
JOVIA FINANCIAL
Undergraduate Student Loans (fixed)
2.74 - 17.99
JOVIA FINANCIAL
Undergraduate Student Loans (variable)
3.89 - 17.99
Fixed Student Loan (fixed)
2.85 - 15.61
2.85 - 15.61
2.85 - 15.61
2.85 - 15.61
3.24 - 15.71▲ 39 bps
3.24 - 15.71▲ 39 bps
Variable Student Loan (variable)
3.66 - 16.06
3.66 - 16.06
3.66 - 16.06
3.91 - 16.30▲ 25 bps
4.04 - 16.27▲ 38 bps
4.15 - 16.36▲ 49 bps
COMMONWEALTH
Private Student Loans (fixed)
2.87
2.99▲ 12 bps
COMMONWEALTH
Private Student Loans (variable)
3.80
4.23▲ 43 bps
CYPRUS
Fixed Rate (fixed)
2.87
2.99▲ 12 bps
CYPRUS
Variable Rate (variable)
3.80
4.36▲ 56 bps
LendMesh
You’re not just borrowing money—you’re investing in your future. At LendMesh, we help you find student loan options that respect your goals, your timeline, and your budget. Start comparing lenders today at https://www.lendmesh.com/loans/student_loans .
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Conclusion
As interest rates continue to fluctuate, locking in a competitive rate now can shield borrowers from future increases, especially for those with fixed-rate loans like undergraduates and parents. Even small APR changes, such as the recent 0.10% dip in the Parent PLUS loan rate, can add up to hundreds of dollars saved over the life of a loan. Students planning to borrow for graduate programs should weigh the benefits of variable rates against potential market shifts and consider their long-term repayment strategy carefully. If you’re actively comparing loans or planning ahead for upcoming semesters, taking action soon to secure these favorable terms could be your smartest move yet. Stay informed, revisit your options regularly, and consult with your credit union’s advisors to make sure your financing fits both your educational goals and budget comfortably.