Ascent Non-Cosigned and Cosigned Student Loans

Student loans should expand your possibilities, not limit them. Ascent’s private student loan gives students more opportunities to qualify for a loan! Ascent offers benefits that put students first, like 1% Cash Back at graduation and more…

Finally, A Loan Designed with You In Mind

AFFORDABLE fixed rates starting at 3.69% APR with Automatic Debit Discount*
1% CASH BACK Graduation Reward*
NON-COSIGNED option may be available for eligible undergraduate juniors and seniors.
PAY AFTER LEAVING SCHOOL – Customize your loan with flexible repayment options – start payments after graduation.
FORGET FEES – No application, origination or disbursement fees. No late fees and no prepayment penalty if you choose to pay your loan off early.
COVER UP TO 100% of your tuition and eligible living expenses.

Apply for an Ascent Private Student Loan

Fixed APR 3.69% - 15.04%*

Variable APR 5.66% - 15.16%*

Cosigner Recommended

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Featured Lender

AFFORDABLE fixed rates starting at 3.69% APR with Automatic Debit Discount*
1% CASH BACK Graduation Reward*
NON-COSIGNED option may be available for eligible undergraduate juniors and seniors.
PAY AFTER LEAVING SCHOOL – Customize your loan with flexible repayment options – start payments after graduation.
FORGET FEES – No application, origination or disbursement fees. No late fees and no prepayment penalty if you choose to pay your loan off early.
COVER UP TO 100% of your tuition and eligible living expenses.

* Ascent’s undergraduate and graduate student loans are funded by Bank of Lake Mills or DR Bank, each Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations, terms and conditions may apply for Ascent's Terms and Conditions please visit: AscentFunding.com/Ts&Cs. Rates displayed above are effective as of 11/1/2024 and reflect an Automatic Payment Discount of 0.25% for credit-based college student loans and 1.00% discount on outcomes-based loans when you enroll in automatic payments. The Full P&I (Immediate) Repayment option is only available for college loans (except for outcomes-based loans) originated on or after June 3, 2024. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions. The final amount approved depends on the borrower’s credit history, verifiable cost of attendance as certified by an eligible school, and is subject to credit approval and verification of application information. Lowest interest rates require full principal and interest (Immediate) payments, the shortest loan term, a cosigner, and are only available for our most creditworthy applicants and cosigners with the highest average credit scores. Actual APR offered may be higher or lower than the examples above, based on the amount of time you spend in school and any grace period you have before repayment begins. 1% Cash Back Graduation Reward subject to terms and conditions. For details on Ascent borrower benefits, visit AscentFunding.com/BorrowerBenefits. The AscentUP platform is only available to eligible Ascent borrowers and subject to terms and conditions.

The minimum amount is $2,001 except for the state of Massachusetts. Minimum loan amount for borrowers with a Massachusetts permanent address is $6,001.

Tools for Financial Success

It’s wrong to lose your financial freedom before you’ve even had a chance to earn it! As your financial partner, Ascent sets you up for future success. Ascent offers you free financial tools as part of the application process.

Your Support Team

The Ascent team of trusted advisors is 100% U.S.-based and committed to you. From your application to your final payment, they'll be with you every step of the way.

Eligibility

Ascent considers several factors which may include: creditworthiness, school, program, graduation date, major, cost of attendance and other factors.
Ascent loans are for college students (both undergraduate and graduate) that are at least half-time enrolled in a degree program at an eligible institution.
U.S. citizens or U.S. permanent residents and DACA students may apply without a cosigner. Students who are not a U.S. citizen, U.S. permanent resident or DACA student may apply with a creditworthy cosigner who is a U.S. citizen or U.S. permanent resident.
The Ascent Non-Cosigned Outcomes-Based Loan option is for undergraduate juniors and seniors that are full-time enrolled (or with an expected graduation date within 9-months of the date the loan application is submitted) in a degree program at an eligible institution.
- MUST be a U.S. citizen, U.S. permanent resident or DACA student.
- MUST have satisfactory academic performance of 2.9+ GPA or greater.

Loan Forgiveness & Forbearance

Ascent Student Loans include deferment and forbearance options: Active Duty Military Deferment, In-School Deferment, Residency / Internship Deferment and Temporary Hardship Forbearance. The loan is forgiven if the student dies or becomes totally and permanently disabled.

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Disclaimers

The minimum amount is $2,001 except for the state of Massachusetts. Minimum loan amount for borrowers with a Massachusetts permanent address is $6,001