Get a loan that goes beyond tuition

Customers get free 1:1 student success coaching¹, financial education resources and entries to monthly scholarships.

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Check your rate without impacting your credit score.

Loans designed with you in mind.

Find a loan in minutes that fits your budget and needs.

Pay for College

Apply for student loans with or without a cosigner

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Pay for a Bootcamp

Transform your career at an eligible bootcamp

Learn More

Why choose an Ascent loan?

Ascent gives you more opportunities to finance your education, as well as these additional benefits:

Affordable

Choose between fixed or variable interest rates.

Repay on your terms

Choose to start making payments now or after leaving school AND no penalty if you choose to pay off your loan early.

Fast & easy

Complete your loan application in minutes and check your pre-qualified rates without impacting your credit score

24/7 access with AscentConnect

Stay up to date with your student loan and make payments using our AscentConnect mobile app. Download it today from the Apple App Store or Google Play Store.

Build credit in your own name

Apply for a loan on your own. If you don’t
pre-qualify, you can add a cosigner.

Get Started

Check your rate without impacting your credit score.

Here’s how it works
4 simple steps –
NO application fees.

Check your pre-qualified rates without impacting your credit score.

See your pre-qualified rates
Preview your loans upfront
Choose a repayment plan for you
We pay your school

How else can Ascent help you? Ascent offers even more ways for you to earn money throughout the year, even if you don’t have a loan with us.

A desk with a computer screen on top of it.

Over $60,000 in Shining Stars Scholarships awarded every year.

More than $12,000 in Community Champions Scholarships awarded every year to students making a social impact.

Earn cash back with our Ascent Rewards program.

Tips & tools for financial success

Ascent gives you exclusive access to tips and resources to prepare you for financial success in school and after you leave.

Financial Wellness Tips

Resources

Student Loans 101 What is Financial Wellness? 4 Student Loan Tips for College Grads. Read More

We’re proud to provide award-winning loans for lifelong learners.

Editors Choice Award Ascent Badcredit.org

What are others saying about Ascent?

Ascent stands out for its range of payment reduction and postponement options, rare among private lenders. Borrowers can choose a graduated repayment plan, which provides a lower monthly payment to start that increases over time.” Read more

- Forbes Advisor

We are recognizing Ascent with our Editor’s Choice™ Award as Top Private Student Loan Provider thanks to the company’s student-focused efforts and innovative loan options. ” Read more

- BadCredit.org
Editor’s Choice™ Award 2021

Being young I don’t have a strong credit history. Ascent made it possible for me to have my own loan without the help of others – I’m thankful I found them.

Nikara M.
Western Washington University

It was the only decent loan provider that would accept a non-cosigned loan. My loan manager helped a lot.

Robert C.
Texas A&M University

The best thing about Ascent is the fact that they make the process easy. I was able to do everything online and the money was sent directly to my school.

Anjellica C.
Northern Arizona University

Have questions about student loans?
We have answers.

Who is Ascent?

Ascent Funding is an award-winning company, committed to revolutionizing how you pay for higher education at colleges and coding bootcamps. Ascent was named Best Private Student Loan for 2021 by Forbes Advisor and NerdWallet. Ascent empowers students from all economic backgrounds and disciplines (including DACA students). To set students up for success, we offer scholarships (over $72,000 this year) and exclusive benefits for students.

What’s the difference between Ascent’s college loans and bootcamp loans?

Ascent’s college loans are private student loans for those attending undergraduate and graduate programs at eligible institutions.

Ascent’s bootcamp loans are consumer loans for those seeking to transform their career at a bootcamp or accelerated-learning program.

Do I need a cosigner?

Not necessarily. Ascent considers several factors including: creditworthiness, school, program, graduation date, major, GPA, cost of attendance, and other factors that allow for undergraduate students to potentially obtain a Non-Cosigned Outcomes-Based Loan in their own name without a cosigner. Nevertheless, applying with a cosigner may result in a lower interest rate.

Students that are a U.S. citizen or have Deferred Action for Childhood Arrival (DACA) status may apply without a cosigner. Students that are not a U.S. citizen or U.S. permanent resident may apply with a creditworthy cosigner that is a U.S. citizen or U.S. permanent resident.

Who do I contact for my Ascent college loan?

For Ascent’s college loans, call us toll-free at 877-216-0876 or email us at [email protected].

Who do I contact for my Ascent bootcamp loan?

For Ascent’s bootcamp loans, call us at 877-279-2614 or email us at [email protected].

1) To be eligible for coaching through the Student Success Program, the student borrower must be an undergraduate who has been approved for and completed an Ascent college loan application, and has agreed to the terms of the coaching program. Ascent’s consumer loans for bootcamps and graduate student loans do not qualify for this program.