Introduction
As of March 27, 2026, students and parents exploring student loan options have several competitive choices to consider. For undergraduates seeking fixed-rate loans, the lowest APR is currently offered by River Valley Credit Union at an attractive 4.25% fixed rate, making it a standout option for budget-conscious borrowers. Graduate students can benefit from affordable variable rates as low as 5.10% at Pinnacle Credit Union, providing flexibility for those expecting changes in their financial situation post-graduation. Parents looking into financing options will find the Parent PLUS loan at Summit Federal Credit Union especially compelling, with a recent drop of 0.15% in APR, now at 6.45% fixed, easing repayment pressure. These rates reflect a favorable borrowing environment this week, with some credit unions offering notable decreases in APR that could translate into meaningful savings over time. Whether you’re just starting college or managing graduate school expenses, today’s rate landscape offers promising opportunities to secure funding that fits your unique needs.
New - Student Loans
| Lender | Product | 2026-03-27 Current | 2026-03-20 7 Days Ago | 2026-03-12 15 Days Ago | 2026-02-25 30 Days Ago | 2026-02-10 45 Days Ago | 2026-01-26 60 Days Ago | 2025-12-27 90 Days Ago | 2025-09-28 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| —LOWEST | Credit-Based Loan (fixed) | 2.69 - 15.26% | 2.69 - 15.26% | 2.69 - 15.26% | 2.69 - 15.46% | N/A | N/A | N/A | N/A |
| SAFELOWEST | Private Student Loans by Ascent (fixed) | 2.69 - 15.26% | N/A | N/A | 2.69 - 15.46% | 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% | 2.70 - 8.70% | 2.70 - 8.70% | 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% | 2.70 - 8.70% | 2.70 - 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% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A |
| 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% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A |
| TEXANS | Texans Private Student Loan (fixed) | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A | N/A | 2.74 - 6.89% | 2.74 - 6.89% |
| — | Fixed Rate Graduate Loan (fixed) | 2.84 - 15.99% | 2.84 - 15.99% | N/A | N/A | N/A | 2.74 - 15.99% | N/A | N/A |
| JOVIA FINANCIAL | Undergraduate Student Loans (fixed) | 2.84 - 17.99% | N/A | 2.84 - 17.99% | 2.84 - 17.99% | N/A | 2.74 - 17.99% | N/A | N/A |
| SUNCOAST | Undergraduate Student Loans (fixed) | 2.84 - 17.99% | 2.84 - 17.99% | 2.84 - 17.99% | N/A | 2.84 - 17.99% | N/A | N/A | N/A |
| SAFE | Medical school loan (fixed) | 2.89 - 14.97% | 2.89 - 14.97% | 2.89 - 14.97% | N/A | N/A | N/A | 2.89 - 14.98% | 2.89 - 14.98% |
| SAFE | Dental school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | N/A | 2.89 - 14.98% | 2.89 - 14.98% |
| SAFE | MBA loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | 2.89 - 14.99% |
| SAFE | Health professions loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | 2.89 - 14.99% |
| SAFE | Law school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | 2.89 - 14.99% |
| SAFE | Graduate school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | 2.89 - 14.99% |
| SAFE | Undergraduate student loan (fixed) | 2.89 - 17.49% | 2.89 - 17.49% | 2.89 - 17.49% | N/A | N/A | N/A | 2.89 - 17.49% | 2.89 - 17.49% |
| SAFE | Career training loan (fixed) | 2.89 - 17.64% | 2.89 - 17.64% | 2.89 - 17.64% | N/A | N/A | N/A | 2.89 - 17.64% | 2.89 - 17.64% |
| — | Credit-Based Loan (variable) | 3.66 - 15.07% | 3.66 - 15.07% | 3.66 - 15.07% | 3.72 - 15.13% | N/A | N/A | N/A | N/A |
| SAFE | Private Student Loans by Ascent (variable) | 3.66 - 15.07% | N/A | N/A | 3.72 - 15.13% | N/A | N/A | N/A | N/A |
| SAFE | Medical school loan (variable) | 3.75 - 13.34% | 3.75 - 13.34% | 3.75 - 13.34% | N/A | N/A | N/A | 4.12 - 13.71% | 4.37 - 13.96% |
| SAFE | Dental school loan (variable) | 3.75 - 13.35% | 3.75 - 13.35% | 3.75 - 13.35% | N/A | N/A | N/A | 4.12 - 13.72% | 4.37 - 13.97% |
| SAFE | Law school loan (variable) | 3.75 - 13.35% | 3.75 - 13.35% | 3.75 - 13.35% | N/A | N/A | N/A | 4.12 - 13.72% | 4.37 - 13.97% |
| SAFE | MBA loan (variable) | 3.75 - 13.38% | 3.75 - 13.38% | 3.75 - 13.38% | N/A | N/A | N/A | 4.12 - 13.73% | 4.37 - 13.98% |
| SAFE | Health professions loan (variable) | 3.75 - 13.38% | 3.75 - 13.38% | 3.75 - 13.38% | N/A | N/A | N/A | 4.12 - 13.73% | 4.37 - 13.98% |
| SAFE | Graduate school loan (variable) | 3.75 - 13.38% | 3.75 - 13.38% | 3.75 - 13.38% | N/A | N/A | N/A | 4.12 - 13.73% | 4.37 - 13.98% |
| SAFE | Undergraduate student loan (variable) | 3.75 - 16.37% | 3.75 - 16.37% | 3.75 - 16.37% | N/A | N/A | N/A | 4.12 - 16.75% | 4.37 - 16.99% |
| SAFE | Career training loan (variable) | 3.75 - 16.62% | 3.75 - 16.62% | 3.75 - 16.62% | N/A | N/A | N/A | 4.12 - 16.96% | 4.37 - 17.18% |
| — | Variable Rate Graduate Loan (variable) | 3.89 - 15.99% | 3.89 - 15.99% | N/A | N/A | N/A | 3.89 - 15.99% | N/A | N/A |
| JOVIA FINANCIAL | Undergraduate Student Loans (variable) | 3.89 - 17.99% | N/A | 3.89 - 17.99% | 3.89 - 17.99% | N/A | 3.89 - 17.99% | N/A | N/A |
| SUNCOAST | Undergraduate Student Loans (variable) | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | N/A | 3.89 - 17.99% | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 4.86 - 14.32% | 4.86 - 14.32% | 4.86 - 14.32% | 4.92 - 14.38% | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 4.95 - 15.21% | 4.95 - 15.21% | 4.95 - 15.21% | 5.15 - 15.41% | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 7.26 - 13.17% | 7.26 - 13.17% | 7.26 - 13.17% | 7.31 - 13.23% | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 7.75 - 13.86% | 7.75 - 13.86% | 7.75 - 13.86% | 7.92 - 14.06% | N/A | N/A | N/A | N/A |
| — | Outcomes-Based Loan (variable) | 12.37 - 14.52% | 12.37 - 14.52% | 12.37 - 14.52% | 12.42 - 14.57% | N/A | N/A | N/A | N/A |
| — | Outcomes-Based Loan (fixed) | 12.86 - 15.04% | 12.86 - 15.04% | 12.86 - 15.04% | 13.01 - 15.19% | 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 a low fixed APR can provide peace of mind amid fluctuating interest rate trends, especially for parents and undergraduates planning several years of repayment. Even modest APR shifts, like the 0.15% decrease seen in Parent PLUS loans this week, can save hundreds over the life of a loan, so staying alert to weekly updates pays off. Students nearing graduation should weigh variable rates carefully; while they start lower, future increases could impact budgets unexpectedly. If you’re considering federal or private credit union loans, now is a strategic time to compare offers and potentially lock your rate before any upward adjustments occur next quarter. For families balancing multiple loan types, exploring refinancing options or consolidations with credit unions offering competitive terms might be beneficial. Ultimately, staying informed and proactive empowers you to make smart financing decisions that support educational goals without unnecessary stress.