Private student loans
designed with you in mind

Ascent gives you more opportunities to get the money you
need to pay for school.

Get Started
Check your rate without impacting your credit score.
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How it works
4 simple steps –
NO application fees.

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

Private student loans should expand your possibilities, not limit them.

That’s why we set out to do things differently and created benefits that put students first.

Non-cosigned loan options

Build credit in your own name if you qualify, or you can apply to release your cosigner after 24 consecutive on-time payments.

Flexible payment options

Choose from affordable fixed or variable rates, customize your repayment terms, and pay off your loan early without any penalty.

Benefits that put you first

Cover up to 100% of your cost of attendance. Plus, you can get 1% cash back and a discount if you set up automatic payments.

Tips & tools for financial success

Don't lose your financial freedom before you have the chance to earn it! To help you borrow responsibly, we incorporate financial wellness into our application process and give you exclusive access to tools and content to help you get set for greater financial success. Financial Wellness Tips »

Have questions about private student loans?
We’ve got answers.

What is Ascent?
Ascent is an innovative private student loan program that provides access to higher education funding for an expanded population of undergraduate and graduate students, while encouraging the financial wellness of students and their families. We advocate awareness of the potential financial outcomes of your higher education choices (school, major, years in school, financing your education), helping you visualize where your career could go and what it could be – encouraging better decisions today to open up greater future opportunities.
What types of private student loans does Ascent offer?
Ascent offers loan products to help undergraduate and graduate students pay for higher education.

Why should I choose an Ascent loan?
The Ascent Student Loan program provides more opportunities to qualify for a loan with a cosigner or without a cosigner. Ascent’s award-winning Non-Cosigned Future Income-Based Loan (for undergraduate students) considers more than just a credit score, to give students the opportunity to qualify for a loan without a cosigner. Ascent also offers credit-based loans for graduate students. Ascent loans are competitively priced. You can choose from affordable fixed or variable rates, customize your repayment terms, and pay off your loan early without any penalty. In addition, Ascent offers benefits that can help save money with a 1% Cash Back Reward upon graduation and an Automatic Payment Discount of at least 0.25% for Credit-Based Loans and in some cases up to 2.00% for Undergraduate Non-Cosigned Future Income-Based Loans. The Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month.
Do I need a cosigner?
Not necessarily. Ascent considers several factors including: creditworthiness, school, program, graduation date, major, cost of attendance, GPA, and other factors that allow for undergraduate students to potentially obtain a Non-Cosigned Future Income-Based Loan in their own name without a cosigner. Nevertheless, applying with a cosigner may result in a lower interest rate.


Students that have Deferred Action for Childhood Arrival (DACA) status or 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.

Ascent is recognized as a leading national private student loan program for cosigned and non-cosigned loans