April 24, 2026: Student Loan Rates Steady with 3.44% Fixed for Parents & Grads

As of April 24, 2026, students and parents exploring financing options have some standout student loan rates to consider. If you’re looking for the lowest fixed APRs, undergraduate borrowers will find the most competitive rates at Community First Credit Union, offering fixed rates starting as low as 4.25%. Graduate students seeking flexible repayment terms should also keep an eye on variable-rate programs, where rates can be even more attractive depending on market conditions. For parents financing their child’s education, the best Parent PLUS loan rate is currently available at Unity Credit Union with a fixed APR of 5.75%, representing a solid choice for long-term planning. Notably, some credit unions have seen slight shifts this month; for instance, the Parent PLUS loan APR at Horizon Federal Credit Union dropped by 0.10% over the past week, signaling potential savings if you act soon. Whether you’re a first-time borrower or refinancing existing loans, today’s data highlights several competitive options designed to ease the financial journey toward graduation.