Take out a student loan with Ascent and claim your $100 Amazon Gift Card [1]
Why choose an Ascent Private Student loan?
Ascent provides more opportunities for you and your family to apply for student loans with a cosigner or without a cosigner, as well as these additional benefits:
Check your rate without impacting your credit score.
Undergraduate Loan Interest Rates
Cosigned
Credit-Based Loans
For students with a creditworthy cosigner. (For U.S. citizens, DACA & international students)
- Enrolled at least half-time
- Must be a U.S. citizen or have Deferred Action for Childhood Arrival (DACA) status with an eligible cosigner who is a U.S. citizen or permanent resident
- International students may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident
- 1% Cash Back Graduation Reward**
- Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
- 5, 7, 10, 12 or 15-Years
- Deferred Repayment: Start payments up to 9 months after leaving school
- In School Interest-Only Repayment
- $25 Minimum Payment
- Enrolled full-time OR graduating within the next 9 months
- Maintain GPA of 2.9+ AND meet your school’s satisfactory academic performance (SAP)
- Must be a U.S. citizen or permanent resident or have Deferred Action for Childhood Arrival (DACA) status
- 1% Cash Back Graduation Reward**
- Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
- 10 or 15-Years
- Deferred Repayment: Start payments up to 9 months after leaving school.
- Enrolled at least half-time
- Must be a U.S. citizen or permanent resident or have Deferred Action for Childhood Arrival (DACA) status
- Must have at least 2 years of credit history and meet credit and income requirements
- 1% Cash Back Graduation Reward**
- Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
- 5, 7, 10, 12 or 15-Years
- Deferred Repayment: Start payments up to 9 months after leaving school
- In School Interest-Only Repayment
- $25 Minimum Payment
*The final amount approved depends on the borrower’s credit history, verifiable cost of attendance, and is subject to credit approval and verification of application information. Rates displayed above are effective as of 07/01/2025 and reflect an Automatic Payment Discount of 0.25% for credit-based loans and a 1.00% discount on outcomes-based loans when you enroll in automatic payments. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.
** 1% Cash Back Graduation Reward subject to terms and conditions, click here for details.
How Ascent Student Loans Compare With Other Lenders
 |
CollegeAve | SallieMae | Discover | |
|---|---|---|---|---|
| Named Best Student Loan for Flexible Repayment in 2022 |  |
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| Fixed or Variable Rates |  |
|
|
|
| Loan Terms Options | 5 | 4 | 3 | 1 |
| Ways to Repay Your Loan | 3 | 4 | 3 | 4 |
| First Payment After Graduation | 9 months | 6 months | 6 months | 6 months |
| Outcomes-Based Loans without a Cosigner | |
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| Progressive (or Graduated) Repayment | |
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| Financial Wellness in the Application | |
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| Application Fees | None | None | None | None |
Comparison table is based on information obtained on lenders’ websites as of June 14th, 2022. ©2017-2022 and TM, NerdWallet, Inc. All Rights Reserved.
Student Success Coaching
Every undergraduate student with an Ascent loan receives access to one-on-one student success coaching with a professional career coach [3]. Ascent’s goal isn’t just to provide loans – we’re here to help students reach their goals in college, learn how to handle finances and find a successful career.
Learn more about Ascent’s student success coaching by visiting AscentFunding.com/Connect.
College Prep & Financial Resources for Students
Ascent provides a wealth of resources for students. To help students create their bright futures, we’ve created helpful guides for financial wellness, college prep, and more.
Our blog is also regularly updated with a variety of college and financial tips.
Scholarship Opportunities
Ascent is proud to give out more than $80,000 in scholarships each year. Check out our current scholarship opportunities – there are many chances to win.
Ready to Apply?
Enter your code to take out a student loan with Ascent and receive a $100 Amazon gift card [1]
Please borrow responsibly by maximizing scholarships and free financial aid, comparing federal and private student loans, and choosing the loan that best fits your needs.
- The promotional offer is not transferable and subject to credit approval. One gift card per loan. Only the student borrower is eligible for the gift-card offer. Student borrowers or cosigners (as applicable) must enter the custom code on this postcard and apply for an Ascent college loan through the designated link on this postcard by August 31, 2022. The gift card will be sent to the student borrower via email within 30 days of the Ascent college loan being disbursed. This offer is subject to change or termination without notice. For additional information regarding eligibility for an Ascent college loan, please see Ascent’s FAQs at AscentFunding.com/FAQ. Additional terms and conditions may apply, depending on other terms offered or chosen. Amazon.com is not a sponsor of this promotion. Except as required by law, Amazon.com Gift Cards [“GCs”] cannot be transferred for value or redeemed for cash. GCs may be used only for purchases of eligible goofs on Amazon.com or certain of its affiliated websites GCs cannot be redeemed for purchases of gift cards. Purchases are deducted from the GC balance. To redeem or view a GC balance, visit “Your Account” on Amazon.com. Amazon is not responsible if a GC is lost, stolen, destroyed or used without permission. For complete terms and conditions, see http://www.amazon.com/gc-legal. GCs are issued by ACI Gift Cards, Inc., a Washington corporation. All Amazon ™& © are IP of Amazon.com, In. or its affiliates. No expiration date or service fees.
- Loan features and information advertised are valid as of 05/26/2022, and are subject to change at any time. Loans subject to individual approval, restrictions and conditions apply. See Terms and Conditions at AscentFunding.com/Rates.
- In order to be eligible for Ascent’s student success coaching, the student borrower must be an undergraduate who is new to Ascent and in the process of applying for or has taken out an Ascent loan since May 1, 2020.
Subject to credit approval, Ascent Funding, LLC college loan products are made available through Bank of Lake Mills, Member FDIC.
