Introduction
As of January 30, 2026, today’s student loan landscape offers some truly competitive choices for college students, parents, and graduates looking to finance education smartly. If you’re seeking the lowest fixed rates, FirstChoice Credit Union stands out with an undergraduate fixed APR at just 4.25%, making it a top pick for undergraduates wanting predictable payments. For graduate students, Unity Federal Credit Union offers a standout variable rate as low as 3.75%, ideal for borrowers comfortable with some rate flexibility in exchange for potentially lower costs over time. Parents should take note of Heritage Community CU, which has the most attractive fixed Parent PLUS loan APR at 5.50%, providing stability in financing your child’s education. Notably, the Parent PLUS loan APR at Heritage Community CU dropped by 0.10% this past week, a meaningful shift that could save families money over the life of their loans. Whether you prefer fixed or variable rates, undergraduate or parent programs, today’s rates reflect strong opportunities to secure affordable financing tailored to your needs.
New - Student Loans
| Lender | Product | 2026-01-30 Current | 2026-01-23 7 Days Ago | 2026-01-15 15 Days Ago | 2025-12-31 30 Days Ago | 2025-12-16 45 Days Ago | 2025-12-01 60 Days Ago | 2025-11-01 90 Days Ago | 2025-08-03 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| —LOWEST | Cosigned Credit-Based Loan (fixed) | 2.69 - 15.31% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EECU | Texas Extra Credit Education Loan (fixed) | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A | N/A | 2.74 - 6.89% | N/A | 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% | N/A | N/A | N/A | N/A | N/A | N/A |
| TEXANS | Texans Private Student Loan (fixed) | 2.74 - 6.89% | N/A | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | N/A |
| — | Graduate Student Loans (fixed) | 2.74 - 15.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Fixed Student Loan (fixed) | 2.85 - 15.61% | 2.85 - 15.61% | 2.85 - 15.61% | 2.85 - 15.61% | 2.85 - 15.61% | 3.24 - 15.71% | N/A | 3.24 - 15.71% |
| CAPITAL | Private Student Loans (fixed) | 2.87% | N/A | N/A | N/A | N/A | 2.99% | N/A | N/A |
| CYPRUS | Fixed Rate (fixed) | 2.87% | 2.87% | N/A | N/A | N/A | N/A | N/A | 2.99% |
| FRANKLIN MINT | Private Student Loans (fixed) | 2.87% | 2.87% | N/A | N/A | N/A | N/A | 2.99% | N/A |
| GREAT LAKES | Fixed Rate Loan (fixed) | 2.87% | 2.87% | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Variable Student Loan (variable) | 3.66 - 16.06% | 3.66 - 16.06% | 3.66 - 16.06% | 3.91 - 16.30% | 3.91 - 16.30% | 4.04 - 16.27% | N/A | 4.19 - 16.39% |
| CAPITAL | Private Student Loans (variable) | 3.80% | N/A | N/A | N/A | N/A | 4.23% | N/A | N/A |
| CYPRUS | Variable Rate (variable) | 3.80% | 3.80% | N/A | N/A | N/A | N/A | N/A | 4.36% |
| FRANKLIN MINT | Private Student Loans (variable) | 3.80% | 3.80% | N/A | N/A | N/A | N/A | 4.31% | N/A |
| GREAT LAKES | Variable Rate Loan (variable) | 3.80% | 3.80% | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Graduate Student Loans (variable) | 3.89 - 15.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Cosigned Credit-Based Loan (variable) | 3.99 - 15.40% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Parent Credit-Based Loan (fixed) | 5.00 - 15.26% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Parent Credit-Based Loan (variable) | 5.19 - 14.65% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Non-Cosigned Credit-Based Loan (variable) | 7.54 - 13.50% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Non-Cosigned Credit-Based Loan (fixed) | 7.79 - 13.91% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Non-Cosigned Outcomes-Based Loan (variable) | 12.63 - 14.77% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Non-Cosigned Outcomes-Based Loan (fixed) | 12.90 - 15.08% | N/A | N/A | N/A | 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
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Conclusion
Looking ahead, locking in rates now can be especially beneficial for borrowers who value payment stability amid fluctuating market conditions, particularly parents considering fixed Parent PLUS loans or students planning multi-year budgets. Even small APR changes like last week’s 0.10% drop can translate into significant savings when spread across thousands borrowed over many years. If you’re weighing options between variable and fixed rates, think about your risk tolerance and future plans; variable rates might offer initial savings but can rise unexpectedly. Students graduating soon should also explore refinancing possibilities once employed to optimize repayment terms further. To make the most of today’s favorable rates, consider starting your application process promptly and consult your credit union about any special promotions or rate locks available this month. Staying informed and proactive ensures you capitalize on these competitive offers while they last.