January 30, 2026: Student Loan Rates Hold at 3.44% Fixed | Parent & Grad Options

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.