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

LenderProduct
2026-01-23
Current
2026-01-16
7 Days Ago
2026-01-08
15 Days Ago
2025-12-24
30 Days Ago
2025-12-09
45 Days Ago
2025-11-24
60 Days Ago
2025-10-25
90 Days Ago
2025-07-27
180 Days Ago
—LOWESTCosigned Credit-Based Loan (fixed)2.69 - 15.31%N/AN/AN/AN/AN/AN/AN/A
SAFELOWESTFixed Rates (fixed)2.69 - 15.31%N/AN/AN/AN/AN/AN/AN/A
EECUTexas Extra Credit Education Loan (fixed)2.74 - 6.89%2.74 - 7.38%N/AN/AN/AN/AN/A2.74 - 6.89%
GREATER TEXASGreater Texas Credit Union and Aggieland Credit Union Private Student Loan (fixed)2.74 - 6.89%2.74 - 6.89%N/AN/AN/AN/AN/AN/A
TEXANSPrivate Fixed Rate Student Loan (fixed)2.74 - 7.38%N/AN/AN/AN/AN/AN/AN/A
—Fixed Rate Graduate Loan (fixed)2.74 - 15.99%N/AN/AN/AN/AN/AN/AN/A
JOVIA FINANCIALUndergraduate Student Loans (fixed)2.74 - 17.99%N/AN/AN/AN/AN/AN/AN/A
—Fixed Student Loan (fixed)2.85 - 15.61%2.85 - 15.61%2.85 - 15.61%2.85 - 15.61%N/A3.24 - 15.71%N/A3.24 - 15.71%
COMMONWEALTHPrivate Student Loans (fixed)2.87%N/AN/AN/AN/A2.99%N/AN/A
CYPRUSFixed Rate (fixed)2.87%N/AN/AN/AN/AN/AN/A2.99%
SAFEMedical school loan (fixed)2.89 - 14.98%N/AN/AN/AN/AN/AN/AN/A
SAFEDental school loan (fixed)2.89 - 14.98%N/AN/AN/AN/AN/AN/AN/A
SAFEMBA loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/AN/A
SAFEHealth professions loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/AN/A
SAFELaw school loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/AN/A
SAFEGraduate school loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/AN/A
SAFEUndergraduate student loan (fixed)2.89 - 17.49%N/AN/AN/AN/AN/AN/AN/A
SAFECareer training loan (fixed)2.89 - 17.64%N/AN/AN/AN/AN/AN/AN/A
—Variable Student Loan (variable)3.66 - 16.06%3.66 - 16.06%3.66 - 16.06%3.91 - 16.30%N/A4.04 - 16.27%N/A4.15 - 16.36%
COMMONWEALTHPrivate Student Loans (variable)3.80%N/AN/AN/AN/A4.23%N/AN/A
CYPRUSVariable Rate (variable)3.80%N/AN/AN/AN/AN/AN/A4.36%
SAFEMedical school loan (variable)3.87 - 13.47%N/AN/AN/AN/AN/AN/AN/A
SAFEDental school loan (variable)3.87 - 13.47%N/AN/AN/AN/AN/AN/AN/A
SAFELaw school loan (variable)3.87 - 13.47%N/AN/AN/AN/AN/AN/AN/A
SAFEMBA loan (variable)3.87 - 13.50%N/AN/AN/AN/AN/AN/AN/A
SAFEHealth professions loan (variable)3.87 - 13.50%N/AN/AN/AN/AN/AN/AN/A
SAFEGraduate school loan (variable)3.87 - 13.50%N/AN/AN/AN/AN/AN/AN/A
SAFEUndergraduate student loan (variable)3.87 - 16.50%N/AN/AN/AN/AN/AN/AN/A
SAFECareer training loan (variable)3.87 - 16.73%N/AN/AN/AN/AN/AN/AN/A
—Variable Rate Graduate Loan (variable)3.89 - 15.99%N/AN/AN/AN/AN/AN/AN/A
JOVIA FINANCIALUndergraduate Student Loans (variable)3.89 - 17.99%N/AN/AN/AN/AN/AN/AN/A
—Cosigned Credit-Based Loan (variable)3.99 - 15.40%N/AN/AN/AN/AN/AN/AN/A
SAFEVariable Rates (variable)3.99 - 15.40%N/AN/AN/AN/AN/AN/AN/A
—Parent Credit-Based Loan (fixed)5.00 - 15.26%N/AN/AN/AN/AN/AN/AN/A
—Parent Credit-Based Loan (variable)5.19 - 14.65%N/AN/AN/AN/AN/AN/AN/A
—Non-Cosigned Credit-Based Loan (variable)7.54 - 13.50%N/AN/AN/AN/AN/AN/AN/A
—Non-Cosigned Credit-Based Loan (fixed)7.79 - 13.91%N/AN/AN/AN/AN/AN/AN/A
—Non-Cosigned Outcomes-Based Loan (variable)12.63 - 14.77%N/AN/AN/AN/AN/AN/AN/A
—Non-Cosigned Outcomes-Based Loan (fixed)12.90 - 15.08%N/AN/AN/AN/AN/AN/AN/A

Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.

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.