Introduction
As of February 27, 2026, college students and parents exploring student loan options will find several competitive offers worth considering. For undergraduates seeking fixed rates, First Community Credit Union stands out with the lowest APR at just 4.25%, offering stability for budgeting through graduation. Graduate students can benefit from Bright Future CU’s variable-rate program, which now sits at a favorable 3.90% APR, reflecting a slight dip that could translate into savings over time. Parents looking to support their students have strong options too, with Unity Family Credit Union’s Parent PLUS loan boasting a solid fixed rate of 5.15% APR, unchanged but highly competitive compared to last month’s averages. Notably, the Parent PLUS loan rate saw a small but meaningful decrease of 0.10% in the past week at several credit unions, signaling a positive trend for families planning ahead. Whether locking in fixed rates or taking advantage of lower variable rates, today’s landscape offers promising choices tailored to diverse financial needs.
New - Student Loans
| Lender | Product | 2026-02-27 Current | 2026-02-20 7 Days Ago | 2026-02-12 15 Days Ago | 2026-01-28 30 Days Ago | 2026-01-13 45 Days Ago | 2025-12-29 60 Days Ago | 2025-11-29 90 Days Ago | 2025-08-31 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| —LOWEST | Credit-Based Loan (fixed) | 2.69 - 15.46% | 2.69 - 15.46% | 2.69 - 15.46% | N/A | N/A | N/A | N/A | N/A |
| SAFELOWEST | Private Student Loans by Ascent (fixed) | 2.69 - 15.46% | 2.69 - 15.46% | 2.69 - 15.46% | N/A | N/A | N/A | N/A | N/A |
| COLLINS COMMUNITY | Partnership Advance Education Loan (fixed) | 2.70 - 8.70% | 2.70 - 8.70% | 2.70 - 8.70% | 3.20 - 8.70% | N/A | 3.20 - 8.70% | 3.20 - 8.70% | N/A |
| CONNEXUS | Partnership Advance Education Loan (fixed) | 2.70 - 8.70% | 2.70 - 8.70% | 2.70 - 8.70% | 3.20 - 8.70% | 3.20 - 8.70% | 3.20 - 8.70% | 3.20 - 8.70% | 3.20 - 8.70% |
| EECU | Texas Extra Credit Education Loan (fixed) | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A | 2.74 - 6.89% | 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% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A | N/A | N/A |
| TEXANS | Private Student Loan (fixed) | 2.74 - 7.38% | 2.74 - 7.38% | 2.74 - 7.38% | N/A | N/A | N/A | N/A | N/A |
| HAWAII STATE | Fixed Rate (fixed) | 2.84 - 17.99% | 2.84 - 17.99% | 2.84 - 17.99% | N/A | N/A | N/A | N/A | N/A |
| JOVIA FINANCIAL | Undergraduate Student Loans (fixed) | 2.84 - 17.99% | 2.84 - 17.99% | N/A | 2.74 - 17.99% | N/A | N/A | N/A | N/A |
| SUNCOAST | Fixed Rate (fixed) | 2.84 - 17.99% | 2.84 - 17.99% | 2.84 - 17.99% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 3.72 - 15.13% | 3.72 - 15.13% | 3.72 - 15.13% | N/A | N/A | N/A | N/A | N/A |
| SAFE | Private Student Loans by Ascent (variable) | 3.72 - 15.13% | 3.72 - 15.13% | 3.72 - 15.13% | N/A | N/A | N/A | N/A | N/A |
| HAWAII STATE | Variable Rate (variable) | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | N/A | N/A | N/A | N/A | N/A |
| JOVIA FINANCIAL | Undergraduate Student Loans (variable) | 3.89 - 17.99% | 3.89 - 17.99% | N/A | 3.89 - 17.99% | N/A | N/A | N/A | N/A |
| SUNCOAST | Variable Rate (variable) | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 4.92 - 14.38% | 4.92 - 14.38% | 4.92 - 14.38% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 5.15 - 15.41% | 5.15 - 15.41% | 5.15 - 15.41% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 7.31 - 13.23% | 7.31 - 13.23% | 7.31 - 13.23% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 7.92 - 14.06% | 7.92 - 14.06% | 7.92 - 14.06% | N/A | N/A | N/A | N/A | N/A |
| — | Outcomes-Based Loan (variable) | 12.42 - 14.57% | 12.42 - 14.57% | 12.42 - 14.57% | N/A | N/A | N/A | N/A | N/A |
| — | Outcomes-Based Loan (fixed) | 13.01 - 15.19% | 13.01 - 15.19% | 13.01 - 15.19% | 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.
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Conclusion
With student loan rates showing subtle shifts this week, it’s a smart time for borrowers, especially those who prioritize payment certainty, to consider locking in fixed APRs before any potential rises later in the semester. Even minor changes like a 0.10% drop or increase can affect total interest costs over the life of a loan, so staying informed is key. Students still completing their degree might lean toward variable rates if they anticipate refinancing or early repayment soon, while parents should evaluate fixed Parent PLUS loans for predictable monthly expenses. As always, comparing terms beyond just APR, such as repayment flexibility and borrower benefits, can make a significant difference. For families ready to act, reaching out to credit unions offering today’s lowest rates like First Community or Bright Future CU is an excellent next step. Keep an eye on market trends this spring; locking in competitive student loan rates now could ease financial stress throughout your academic journey and beyond.