July 17, 2026: Student Loan Rates Hold Steady at 2.85% Fixed | Parent & Grad Deals

As of July 17, 2026, college students and parents searching for affordable student loan options can find some standout opportunities among credit unions today. For undergraduates, the lowest fixed rate is an attractive 4.15% APR offered by Horizon Credit Union, providing a stable and predictable payment plan. Graduate students will also appreciate River Valley Credit Union’s variable rate as low as 3.75% APR, which could offer savings if rates remain steady or drop. Parents looking to support their children’s education will find competitive Parent PLUS loans from Summit Federal Credit Union with a fixed APR of 5.25%. Notably, the Parent PLUS loan APR at Summit fell by 0.10% over the past week, making it an even more appealing choice for families planning ahead. Whether you’re just starting college financing or refinancing existing loans, these competitive programs deliver solid options that combine affordability with flexibility.