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Ascent Blog

When is FAFSA Due for the 2024-25 School Year? Deadlines & FAQs for Students
Jun 09, 2025 | By: Ascent
Categories: Blog, For College Students, For Cosigners, For High School Students, For Parents and Cosigners, For Students
Worried about missing important FAFSA deadlines for the upcoming school year? Ascent Funding outlines all of the financial aid deadlines… Read More
When is FAFSA due for the 2024-2025 school year?
School Codes in FAFSA: Adding, Removing & Editing
Jan 13, 2025 | By: Ascent
Categories: Blog, For Cosigners, For Schools, For Students
Need to update your school information on the FAFSA? Learn more about the process of adding, editing, or deleting a… Read More
Young female college student sitting in front of computer.
Can International Students Apply for FAFSA?
Aug 11, 2025 | By: Ascent
Categories: Blog, For College Students, For Cosigners, For Schools, For Students
Even though international students can't receive aid from the U.S government, it's still important to complete the FAFSA. Learn more… Read More
Happy college students on campus
The Different Types of Financial Aid Explained: Loans, Grants, & Work-Study Programs
Jun 05, 2025 | By: Ascent
Categories: Blog, For College Students, For Cosigners, For Grad Students, For Schools, For Students
Types of Financial Aid Explained: Learn about the different types of financial aid available for students, including loans, grants, and… Read More
Confused about Federal Student Loan Repayments? Questions from Students, Answers from Ascent 
Oct 04, 2023 | By: Ascent
Categories: Blog, For College Students, For Cosigners, For Grad Students, For Parents and Cosigners, For Students
Ascent hosted an engaging webinar to address what’s on many people’s minds – federal student loan repayment. We know that… Read More
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How to Get a Student Loan
Jan 28, 2025 | By: Ascent
Categories: Blog, For College Students, For Cosigners, For Parents and Cosigners, For Students
There are several ways to get student loans, with a cosigner or without. Read how to get a student loan… Read More
How to Apply for Grad School Loans
Aug 14, 2024 | By: Ascent
Categories: Blog, For Cosigners, For Grad Students
If you're attending graduate school, our step-by-step guide will help you figure out where to start with the loan application… Read More
Group of graduate students preparing for upcoming presentation
Ascent Parents Speak On Student Success
Jan 05, 2023 | By: Ascent
Categories: Blog, For Cosigners, For Parents and Cosigners, For Students
New adventures can be intimidating—whether it’s moving to a faraway campus, exploring some new classes, or furthering a budding career… Read More
Parent smiles at student studying
Your Guide to Voting in College: Tips for Students and First-Time Voters
Feb 15, 2024 | By: Ascent
Categories: Blog, For College Students, For Cosigners, For Parents and Cosigners, For Schools, For Students
Being a college student means you’re consistently busy. Whether it’s figuring out where to live, what classes to take, or… Read More
What Are Parent PLUS Loans? Know the Facts
Jun 09, 2025 | By: Ascent
Categories: Blog, For Cosigners, For Students
What are Parent PLUS loans, and should you look into one? Ascent Funding breaks down what Parent PLUS loans are… Read More
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{ “@context”: “https://schema.org”, “@type”: “FAQPage”, “mainEntity”: [{ “@type”: “Question”, “name”: “What Are Parent PLUS Loans?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “The federal Parent PLUS loan is one of several undergraduate student loans offered by the Department of Education (DOE). Families can use Parent PLUS loans to cover the cost of standard undergraduate programs and graduate programs at traditional colleges and universities. The PLUS loan for parents is part of the William D. Ford Federal Loan (Direct Loan) Program. To receive a Parent Plus loan, parents must complete a Direct Plus Loan Master Promissory Note (Direct Plus Loan MPN) and go through an online application process. From there, you will go through an evaluation process, and the federal government will determine if you are eligible to receive the loan.” } },{ “@type”: “Question”, “name”: “What Is the Interest Rate of Parent PLUS Loans?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “So, how do Parent PLUS loans work in regards to interest rates? Parent PLUS loans have a fixed interest rate, but that rate may change depending on the loan’s disbursement. On July 1, the new rate will take effect for the next academic year. Loans disbursed between July 1, 2021, and July 1, 2022, will have an interest rate of 6.28%. It’s important to distinguish between unsubsidized and subsidized loans. The government pays the interest that accrues for subsidized loans while your child is in school at least part-time. However, the Parent PLUS loan is unsubsidized, which means you may be responsible for the interest that accrues during the loan’s entire lifetime.” } },{ “@type”: “Question”, “name”: “How Do Parent PLUS Loans Work?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Most schools require parents to submit the PLUS loan application. You can find the application online at StudentLoans.gov, but it’s important to check with your child’s school first. Some schools have different requirements and application processes you’ll need to follow. The loan can’t be borrowed by anyone else or transferred into another person’s name, including the student you are supporting. You, the cosigner, will also be solely responsible for repaying the loan. It will not show up on your student’s credit or show on their credit history since this is not a cosigned student loan. You can also borrow up to the total cost of your child’s expenses after financial aid. If you haven’t completed the Free Application for Federal Student Aid (FAFSA), make sure you complete the application before you apply for the Parent PLUS loan. Through the Parent PLUS Loan, you can borrow up to your child’s total cost of attendance. It’s up to your child’s school to determine what that “total cost” figure will be.” } }] }