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Ascent is on a mission to increase the income of Ascent borrowers by

$10B by 2027
Possibly the easiest process I have ever gone through in order to secure a loan. – Vincent B.

Ascent borrowers get access to paid internship opportunities1

We are invested in your success every step of the way. Apply for an Ascent student loan now and take advantage of this great benefit.

Learn more about the AscentUP internship program1 here.
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115,000+ people have used Ascent to pay for school

4.6 out of 5
6,776 reviews

Cover up to 100% of school costs in under 3 minutes -
plus amazing benefits for students

Preparing for college is hard work, but applying for an Ascent student loan is fast and easy.

Start an Application
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    No fees

    No application, disbursement, prepayment or late fees

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    Low rates

    Low fixed rates starting at 3.39% APR* and low variable rates starting at 5.09% APR*

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    Student-friendly benefits

    Up to 40 flexible repayment options – no other student loan offers more.

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    Job & internship support

    Access to paid, remote internship opportunities as part of the AscentUP Internship Program1

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A loan that fits your needs

We offer multiple repayment plans, so you can choose what works best for you!
Pre-qualify in minutes to compare your options and preview your payments.

Start an Application
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No Surprises

You can preview your rate and repayment options without affecting your credit. We keep things simple with clear terms and no hidden fees.

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Extra Support

Get your questions answered and meet your goals with access to friendly, expert help
on academic, career, and finance essentials. We’re invested in your journey to success!

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Community Benefits

Celebrate graduation with a cash reward2, get a discount when you sign up for autopay, earn money when you refer friends, and enter for a chance to win monthly scholarships.

115,000+ people have trusted Ascent to provide more than just a loan

82%

of credit-based college loan borrowers increased their credit score

1.2 million+

minutes of financial wellness education accessed

$332,000+

in scholarships awarded by Ascent since 2020

Hear from real borrowers

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Resources for college
students and families

Ready to fund your higher
education journey?

Check your rates without impacting your credit score.

Loans subject to individual approval, restrictions and conditions apply. See Terms and Conditions at AscentFunding.com/Rates and AscentFunding.com/Ts&Cs. Loan features and information advertised are intended for Ascent college student loans and are subject to change at any time.

*Annual Percentage Rate (APR). Rates displayed above are effective as of 02/01/2025 and reflect an Automatic Payment Discount of 0.25% for credit-based college student 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.

¹Eligibility for the AscentUP platform requires that an applicant be enrolled in an Ascent approved institution who has been conditionally approved for an Ascent loan, either as the borrower or through a parent, grandparent, guardian, or sponsor. Ascent’s graduate student loan applicants and consumer loan applicants qualify for access to the AscentUP platform if their approved school has granted access. All Ascent borrowers have access to free AscentUP resources through the AscentConnect mobile app and are eligible to apply for the AscentUP Internship Program. Eligible students must agree to the AscentUP terms of service and privacy policy before accessing the AscentUP platform. Please note that eligibility criteria and program terms are subject to change.

²Ascent’s 1% Cash Back Graduation Reward is for eligible college students only and subject to terms and conditions. Eligible students must request the graduation reward from Ascent. Learn more at AscentFunding.com/CashBack. 1% Cash Back Reward amount dependent upon total loan amount for Ascent college loan borrowers; approximately $365 average reward amount based upon eligible borrowers who received Cash Back Rewards in 2023. Aggregate cash back limit of $500.

Don't miss out! Take advantage of new lower rates on college loans, starting at 3.39% Annual Percentage Rate (APR)*

Apply Now

See rates and repayment examples