Not all student lenders care about your long-term success.

We're not like other student lenders. Ascent offers rates starting at 3.79% APR* plus a powerful combination of benefits.

Get pre-approved in under 3 minutes without impacting your credit score.
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100,000+ people have used Ascent to pay for school

4.6 out of 5
6,776 reviews

Flexible repayment options

Ascent offers 40 repayment options across its co-signed and non-cosigned college undergraduate, graduate, and parent loans.


No fees

Breathe easier with absolutely no fees on college loans – no late fees, application fees, origination fees, NSF fees, or disbursement fees.


Job & internship support

Gain access to paid remote internship opportunities and resources for budgeting, school support, and career readiness through AscentUP².

How Ascent outshines the competition:

Unlike other lenders, our priority is the success of our borrowers. That’s why Ascent offers more flexible repayment options, competitive interest rates, and personalized help so you can navigate your education and career path along the way.

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See how Ascent compares 1 2 3 Ascent Funding blue logo Industry
Grace Period 9 months 6 months
Automatic Payment Discounts
Cash Back at Graduation
Student & Parent Scholarship Giveaways
Access to Paid Internship Opportunities
No Fees!
12-Month Cosigner Release
40 Repayment Options
Personalized Services for Borrowers
Dedicated School Support
Financial Wellness Training
College & Career Coaching
Over 2,300 Institutions
DACA & International Eligibility
Ease of Discharge in Bankruptcy

Comparison based on information obtained on lender's websites as of March 2024

Everyone deserves an education.

Ascent provides resources, professional development, real-life internship opportunities² and scholarships to help you during college and as you enter your career.Oh, and the cash back rewards don’t hurt either.

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We go beyond just providing loans


people have used an Ascent loan to pay for school


of credit-based college loan borrowers increased their credit score

1.2 million+

minutes of financial wellness education accessed


scholarships awarded by Ascent since 2020

No two lenders are alike,
but one always has your back.

Just ask our borrowers.

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Check your rates without impacting your credit.

*Rates displayed above are effective as of 07/08/2024 and reflect an Automatic Payment Discount of 0.25% for credit-based loans when you enroll in automatic payments. 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.

¹Loans subject to individual approval, restrictions and conditions apply. See Terms and Conditions at and Loan features and information advertised are intended for college student loans and are subject to change at any time.

²To be eligible for coaching through AscentUP, the student borrower must be an undergraduate who has been approved for and completed an Ascent college loan application and has agreed to the AscentUP terms of service. To be eligible for the AscentUP Internship Program, the student borrower must be an undergraduate college or bootcamp student who has been approved for and completed an Ascent loan application, has applied for the Program, and agreed to the AscentUP Internship Program terms of service.

³Ascent college loans originated June 5, 2023 onward are eligible for discharge without a showing of “undue hardship.” Restrictions apply, visit

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Time’s Ticking! ⏰ Take advantage of new lower rates on college student loans from 3.79% to 15.86% APR*

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*Annual Percentage Rate; See rates and repayment examples