Private Student Loan Advice & College Financing Resources

 U.S. News & World Report, the global authority in rankings and consumer advice, has named Ascent the winner of the Best Private Student Loans for Parents as part of the 2026 Lending Awards.  “Being recognized by U.S. News & World Report as a Best Private Student Loan for Parents award winner underscores our focus on expanding access to education and driving economic mobility for student, that ultimately supports the entire family and future generations. We remain committed to delivering transparent, flexible solutions that support students and the parents and families who invest in their success,” said Ken Ruggiero, Co-Founder and CEO of Ascent Funding.  The awarded lenders were determined using a comprehensive, data-driven methodology which assessed factors including rates and fees, affordability, eligibility requirements, and customer service for lenders. For more information, read the Lenders Awards methodology.    “The 2026 Lending Awards recognize exceptional institutions, while also providing current and prospective borrowers with informed insights on financial institutions that can best support their personal financial needs and goals,” said Greg Garrison, consumer banking analyst at U.S. News.  U.S. News publishes consumer lending advice, calculators, mortgage rate forecasts, and more to help readers make the best money-related decisions for them. Consumers can find advice about personal and student loans, and much more at Money.USNews.com.  Why Ascent Stands Out  Ascent offers a range of benefits designed to support families navigating the costs of higher education:  Cosigner release opportunities* – Many students initially apply with a cosigner, with the option to release the cosigner later. This can be a significant benefit for the cosigner and the student, helping reduce long-term financial responsibility for the parents, and help the student borrowers establish their own strong credit.  No application, origination, or disbursement fees1 – Borrowers can focus on funding their education without added costs along the way.   Flexible repayment terms that fit every student – Ascent offers multiple repayment plans with fixed and variable interest rates, giving students the freedom to choose what works for them. Undergraduate students can start payments up to 9 months after graduation, while graduate and professional students have extended grace periods tailored to their programs (up to 36 months for medical, 12 months for dental).    AscentUP and internship program2 – Wrap-around support services and career-building opportunities designed to help students succeed in school, and prepare for the workforce, including access to exclusive paid internship opportunities.  Support for multiple programs – From traditional undergraduate and graduate degrees to career and trade school programs, Ascent offers options that meet diverse educational paths.  1% cash back graduation reward* – Eligible borrowers who meet terms and conditions can earn a reward when completing their program.  DACA eligibility – Eligible DACA students may apply for an Ascent loan, expanding access for students who may have fewer private loan options.  How Winners Are Selected  U.S. News evaluates lenders through a combination of quantitative metrics and editorial review, analyzing multiple key areas:  Interest rates and fees – Lenders are assessed on cost competitiveness, including any hidden or upfront charges.  Repayment flexibility – Options that allow borrowers to adjust schedules or choose terms that fit their budget are prioritized.  Cosigner support and release policies – For parents or students with limited credit history, these options can be a deciding factor.  Hardship programs – Availability of deferment, forbearance, or other protections when financial challenges arise.  Accessibility – Including eligibility for non-U.S. citizens, borrowers with shorter credit histories, and students in nontraditional programs.  Only lenders that balance affordability, transparency, and borrower support are recognized as winners. Being named a Best Private Student Loans for Parents signals that Ascent excels in these areas, helping families make informed financial decisions.  About U.S. News & World Report  U.S. News & World Report is the global leader for journalism that empowers consumers, citizens, business leaders and policy officials to make confident decisions in all aspects of their lives and communities. A multifaceted media company, U.S. News provides unbiased rankings, independent reporting and analysis, and consumer advice to millions of people on USNews.com each month. A pillar in Washington for more than 90 years, U.S. News is the trusted home for in-depth and exclusive insights on education, health, politics, the economy, personal finance, travel, automobiles, real estate, careers and consumer products and services.  About Ascent  Ascent is a leading provider of innovative financial products and wrap-around student support services that enable more students to access education and achieve academic and economic success. Everything Ascent offers is designed by leading industry professionals and with advanced technology and innovation to increase every student’s ability to plan, pay, and succeed.   Ascent’s rare Outcomes-Based Loan provides funding to credit-invisible borrowers who generally do not benefit from traditional credit. Ascent products also include: Cosigned Loans, Solo Loans, Career Loans, Parent Loans, Graduate Loans, Access Loans, Enterprise Loans and Impact Loans.  * For more information, including eligibility requirements, terms, and conditions, please visit https://www.ascentfunding.com/ascentbenefitsterms  1Only Ascent college loans are eligible for no fees. Ascent career training loans are subject to a one-time origination fee of 5.0% of the loan amount. All Ascent loans are eligible for no application, disbursement, late, NSF or early payment fees.  2 Ascent applicants and borrowers that agree to the AscentUP Terms of Service and Privacy Policy, as well as students associated with an Ascent parent loan application, have access to the AscentUP platform.  Please note: Ascent Funding, LLC products are made available through Bank of Lake Mills or DR Bank, each Member FDIC. Subject to credit approval.  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. 

College is an exciting time to explore, grow, and gain independence—including getting comfortable with money. Budgeting might sound intimidating, but it’s really just a way to make sure your money supports the life you want to live. With the right strategy and tools, any student can manage money effectively, reduce stress, and set themselves up for future financial success.  Why Budgeting is Crucial for College Students  Budgeting gives you control over your money, even when it feels like you don’t have much. It helps you cover essentials, avoid debt, and still enjoy life on and off campus. Whether you’re managing a part-time income or student loans, a budget keeps you organized, prepared for surprises, and builds good habits for life after college.  Step 1: Understand Your Finances – Creating a Realistic Budget  Before you can build a budget that works, you need to understand where your money is coming from and where it’s going. Taking the time to get clear on your income, expenses, and savings goals is the foundation of smart money management.   Track Your Income Sources:  Before you can plan how to spend or save, it’s important to know how much money you have coming in. Identifying all your income sources will give you a clear starting point for your budget.  Financial aid (grants, scholarships, loans)  Job income  Family support or allowance  Know Your Expenses: Prioritize Needs vs. Wants  Once you understand your income, the next step is to track your spending. Breaking your expenses into needs and wants can help you make smarter decisions about where your money goes.  Fixed Expenses (Needs): Tuition, rent, utilities, insurance, credit cards, bills  Variable Expenses (Wants): Food, entertainment, supplies, clothing, personal care  Savings: Fund Your Future   Saving might not feel urgent right now, but it’s one of the most powerful habits you can start. Even small contributions help you build a financial safety net and encourage long-term habits that will support your goals well beyond college.  Savings Accounts: Emergency Fund, travel expenses, pet care  High Yield Savings Account: Have higher interest rates and enable faster growth of your savings  Retirement Plans (401k, Roth IRA): Tax-advantaged savings plans to help grow savings over time for retirement expenses  Use a Budgeting Method  Choosing a budgeting method gives structure to your financial plan and helps you stay consistent with your spending, savings, and goals.  50/30/20 Rule: 50% needs, 30% wants, 20% savings/debt repayment  This rule helps individuals manage their finances by prioritizing essential expenses, discretionary spending, and long-term financial goals.  50% Needs: Essential expenses you must pay to live and work  30% Wants: Non-essential but enhance quality of life  20% Savings: Strengthening your financial future  Envelope Method: Physical or digital envelopes for each category  Determine budget categories  Set monthly budget for each  Withdraw cash and fill envelopes  Spend only from those envelopes  Step 2: Save Where You Can  Once you’ve built a basic budget, the next step is finding ways to stretch your dollars further. The good news? As a college student, there are tons of easy ways to save without sacrificing fun or convenience. From student discounts to smart spending habits, a few small changes can make a big difference. Here’s how to make the most of what you have.  Student discounts: Show student ID at restaurants, shopping stores, movie theaters, etc.  Apps to get student discounts: UNiDAYS, Student Beans  Textbooks: Rent, buy used, library copies  Food: Cook at home, use meal plans wisely, avoid daily coffee shop habits, check supermarket ads for deals  Transportation: Use public transit, bike, or carpool  Most colleges provide free transportation passes  Entertainment: Attend free campus events, share streaming accounts  Step 3: Prepare for the Unexpected  Even the best budgets can be thrown off by surprise expenses. Whether it’s a last-minute trip home, a medical bill, or an extra textbook you didn’t plan for, life happens. That’s why it’s important to build a financial cushion that helps you handle the unexpected without stress—or debt. Here’s how to stay prepared and protect your budget.  Build an Emergency Fund: Aim for a $500 goal to start  Plan for Irregular Expenses: Books, holidays, trips, birthdays, medical expenses  Step 4: Use Tools to Stay on Track  Creating a budget is a great start—but staying on track takes a little help. Thankfully, there are plenty of simple tools that can keep you organized and consistent, even on your busiest days. Whether you prefer apps, spreadsheets, or calendar reminders, the right tools can make managing your money quicker, easier, and less stressful. Let’s look at a few that can help you stay in control.  Spreadsheets: Custom Google Sheets or Excel  Download Ascent’s Student Budgeting Sheet here!  Banking Tools: Auto alerts for low balance, spending summaries  Calendar Reminders: For bill due dates and budget check-ins  Block specific date/time on your calendar to sort your finances  Common Budgeting Mistakes to Avoid  Even with the best intentions, it’s easy to slip up. Being aware of common budgeting mistakes can help you stay on track and avoid unnecessary stress. Here are a few pitfalls to watch out for:  Underestimating daily spending: Every purchase adds up!  Not reviewing your budget monthly: Adjust for changes  Overlooking one-time costs: Move-in costs, graduation fees, etc.  Relying on your credit cards: Make sure you have the funds to pay them back  Building Healthy Financial Habits  Good budgeting isn’t just about numbers—it’s about building habits that support your goals over time. With a few consistent practices, managing your money can become second nature. Here’s how to turn smart choices into lasting habits:  Track every dollar: Even small purchases add up  Set time aside time to review your account weekly  Set your goals: avoid overdrafts, reduce credit card use  Stick to your budget for 3 months? Treat yourself (responsibly)!  Final Thoughts Budgeting is an essential skill that can make your college experience less stressful and more empowering. It’s not about getting everything right the first time—it’s about starting small, staying flexible, and learning from your experiences. With a little effort and consistency, you’ll build habits that not only help you thrive in college but also set you up for long-term financial success. 

It’s finally summer! Whether you're kicking off your mornings with a run, gaming with friends, or soaking up the sun poolside, this is your time to unwind. While the season is all about fun and freedom, it’s also a great opportunity to be mindful of your money. The choices you make now—both in spending and saving—can set you up for a smoother, more stress-free school year.   Save this Summer  Open a Savings Account  Even small deposits from a paycheck or birthday card can add up fast. Credit unions often offer student-friendly savings accounts that help you set goals, earn interest, and build smart financial habits. You can even automate your deposits—just set it and forget it!   SAFE Credit Union has some great savings account options—from traditional savings to high-dividend savings accounts—so you can start your savings journey now.  Apply for Scholarships  Applying for scholarships is a wonderful way to save money this summer! Ascent Funding offers a $1,000 scholarship giveaway every month; no essay required!   Budget Around Plans but Leave Room for Spontaneity  Create a simple monthly budget based on your known expenses—like back-to-school shopping, beach days, or a friend’s birthday. Then, add a “spontaneous spending” cap. Whether it’s $30 or $100, this lets you enjoy last-minute BBQs or froyo runs without wondering where your money went. Use SAFE Credit Union’s financial guides or your favorite app to stay on track.  Apply the 24-Hour Rule  Thinking about that $65 pair of sunglasses or a $90 concert outfit? Wait 24 hours. Still want it tomorrow? Go for it. For bigger purchases, wait 48–72 hours. It gives you time to check your budget and see if it’s really worth it.  Use Student Discounts  Student status = Savings.  Apps like UNiDAYS and Student Beans offer deals on clothes, tech, food, and gym memberships.  Always ask: “Do you offer student discounts?” You’d be surprised how often the answer is yes!  Try a No-Spend Challenge  Pick a weekend—or even just a day— where you only spend on necessities.  It’s a fun, low-pressure way to reset your habits, be more intentional, and boost savings.  Go on a Staycation  You don’t need a passport to have fun.  Explore your city like a tourist—check out local concerts, free museum days, night markets, or hiking trails.  You’ll save hundreds on travel while still making memories.  Smart Summer Splurges  Invest in Timeless Summer Staples  Choose breathable, durable fabrics like cotton and linen.  Stick to neutral colors and classic styles that won’t go out of fashion.  Think cost-per-wear for long-term savings.  Prioritize Health: Buy the Sunscreen  Sunscreen isn’t optional—it’s both self-care and long-term financial protection.  A $10 bottle now is less than future medical costs.  Pro tip: Buy in bulk or check for student discounts at local stores.  Final Thoughts  There are infinite ways to spend and save responsibly. It’s an easy way to stay in control of your money this summer, and come fall, you’ll be glad you did!  About the Author Kristina Nguyen is a community college student studying Business Administration with an emphasis in Marketing. As President of the Business Club and Transfer Club at her school, she helps students navigate the transfer process, connect with industry professionals, and access scholarship resources. After graduating from high school at 16, Kristina entered community college unsure of what to expect and unaware of the many opportunities available. Now, as she prepares for her own transfer to a four-year university, she’s passionate about helping other students feel confident in their journey and realizes there’s no shame in taking an alternative route to their goals. 

Balancing the costs of being a student can get complicated and expensive. Whether you’re worried about textbooks, rent, meals, or any other expenses, student discounts can help lighten the load.   In this blog, we’ll shine light on some great discounts that companies offer for students like you. Remember,  while saving money is a win, it’s still smart to stick to your budget—don’t overspend just because it’s a good deal!  Technology  As a college student, having access to technology is essential, but thisit can also get really costly. Let’s explore some discounts tech companies offer to students to help ease the cost.  Apple  Apple offers exclusive discounts not only for college students but also for parents, faculty, and staff. Enjoy special pricing on Macs, iPads, and select accessories.  Microsoft  Microsoft offers discounts for students and teachers. They offer discounts on their Surface laptops and access to Microsoft Teams, Word, Excel, PowerPoint, and more for free. With your student email, it is available until you graduate.   Dell   You can create a free Dell Rewards account with your email and get savings after getting verified as a college student.  Their rewards system allows you to get cash back to put towards your future Dell.com purchases.   HP  HP’s online education store offers up to 40% as part of their membership benefits. This includes discounts on laptops, desktops, accessories and printers.   Streaming  Spotify  It’s always nice to have some music, a podcast, or an audio book to get you through the day as a student. Spotify offers 50% off their premium monthly subscription for students. All you have to do is verify your college student enrollment with the SheerID verification form. You can also bundle this subscription with Hulu for even more savings!   HBO Max  Looking for a movie or show to watch between your study breaks and free time? Max offers students a 50% off discount for their streaming services.  Apple Music  Apple Music has got you covered with music, radio stations, and a discount too. Whether you are earning your associate, bachelor’s or postgraduate degree, you can get a special rate made just for students.  Going out   Piada  One reason you should keep your student ID on you: Piada’s student special! You can get any sized entree and a large fountain drink for just $9, every day from 2-5pm, and all day on Wednesdays.   Cinemark & AMC  Looking to catch the latest blockbuster? Take a break from studying and check out nearby Cinemark theatre to see if they offer student discounts! You can enjoy special pricing with your student ID. Other theaters like AMC also provide student discounts, so don’t forget to ask about those deals too!  Museum Discounts  Whether you are traveling, or considering being a tourist in your own college town,, always call or check local museum websites for student deals. Some offer free hours or discounted prices with your student ID! Bank of America also offers free admission at participating museums to cardholders during the first weekend of every month .   Ascent  We offer great benefits to help students earn cash and savings too!  Get a discount on your student loan when you enroll in automatic payments. When you sign up, you can save money with the 0.25%-1.00%* autopay discount. Not only are you getting the discount, but you won’t have to worry about missing any payments! Plus, it takes as little as $1 per month to qualify.  Ascent student graduates get 1% of their total loan amount back in cash with our graduation reward**. We are proud of your accomplishment and want to celebrate you!  Refer a friend and earn big! Recommend your friends to Ascent and you can earn an Amazon.com Gift Card for each friend you refer ***. The more you refer, the more you can earn. The more friends you refer, the more you can earn—everyone wins.  Additional Sources  There are also other resources like Student Beans and UNiDAYS where they give students access to more exclusive offers. After you've signed up and verified your student status, you unlock access to discounts for travel, food, clothing, and more!   Conclusion  Don’t miss out on any student discounts and benefits, a little can go a long way. Saving on technology, entertainment, and dining out can help you save extra money to put away for your expenses during your time in school. Take advantage of your student ID, make smart financial decisions, and be on the lookout for ways you can save for the future and set yourself up for success.   * The final ACH discount approved depends on the borrower’s credit history, verifiable cost of attendance, and is subject to credit approval and verification of application information. Automatic Payment Discount of 0.25% is for credit-based loans and a 1.00% discount is for outcomes-based loans when you enroll in automatic payments. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.  ** Ascent’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. Aggregate cash back limit of $500. Learn more at AscentFunding.com/CashBack.  *** Refer a Friend program is subject to terms and conditions, click here for official rules and eligibility. Restrictions apply, see amazon.com/gc-legal  Ascent Written, Native Advertising Disclosure  Ascent Funding, LLC (“Ascent”) sponsors these blog posts and creates informational content that is of interest to prospective borrowers and our applicants. The information included in this blog post could include technical or other inaccuracies or typographical errors. It is solely your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided herein. ASCENT IS NOT RESPONSIBLE FOR, AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR, DAMAGES OF ANY KIND ARISING OUT OF USE, REFERENCE TO, OR RELIANCE ON ANY INFORMATION CONTAINED WITHIN THESE BLOG POSTS (INCLUDING THIRD-PARTY SITES). ASCENT OFFERS LINKS TO THIRD PARTY WEBSITES AND ARTICLES SOLELY FOR INFORMATIONAL PURPOSES. WHEN YOU CLICK ON THESE LINKS YOU WILL LEAVE THE ASCENT WEBSITE AND WILL BE REDIRECTED TO ANOTHER SITE. THESE SITES ARE NOT UNDER THE DIRECTION OR CONTROL OF ASCENT. WE ARE NOT AN AGENT FOR THESE THIRD PARTIES NOR DO WE ENDORSE OR GUARANTEE THEIR PRODUCTS OR THEIR WEBSITE CONTENT. ASCENT MAKES NO REPRESENTATIONS REGARDING THE SUITABILITY OR ACCURACY OF THE CONTENT IN SUCH SITES AND WE ARE NOT RESPONSIBLE FOR ANY OF THE CONTENT OF LINKED THIRD PARTY WEBSITES.  As current and former students, we provide free resources to help you throughout your education, which may include links to third-party websites (where security and privacy policies may differ from Ascent’s). For our full disclaimer, please click here. 

Education is always evolving, and keeping track of the changes can be overwhelming. From critical FAFSA updates to new Department of Education regulations, staying informed has become increasingly complex. Recognizing these challenges, we're taking a proactive approach to support you. On April 10th, we hosted an exclusive Ask Me Anything (AMA) session with our CEO, Ken Ruggiero, creating a direct line of communication between you and our leadership.  The session revealed widespread uncertainty about the impact of recent changes on financial aid processes and next steps. Your concerns are our priority, which is why this AMA was designed to provide clear, authoritative answers to your most pressing questions.  Couldn't make it to the live session? We've got you covered. We've carefully compiled the most significant questions and comprehensive answers in this detailed recap. Our goal is to transform uncertainty into understanding, empowering you to navigate these changes with confidence.  When you say, "dismantle the U.S. Department of Education," what do you mean?  There's been growing discussion about potential changes to the U.S. Department of Education, including the possible transfer of federal student loans to the Small Business Administration (SBA). While nothing has officially changed yet, President Trump issued an executive order on March 20, 2025, to begin dismantling the Department of Education. Following this, he announced that the SBA will take over the administration of the student loan portfolio.  That said, there may be some challenges to making these changes a reality. Since much of the federal student loan system is governed by law, it’s not clear how these would be implemented without approval from Congress.  We know this news can be confusing and stressful, especially if you’re relying on federal aid right now. But rest assured, your current loans and aid are unaffected for the time being. While these changes may impact future borrowers, we’ll be here to keep you updated and support you through any changes that come your way.  Will my payments still be deferred until I finish school?  If you chose in-school deferment when you took out your loan from Ascent, your payments will remain deferred as long as you’re enrolled at least half-time. This means you won’t need to make monthly payments until after you graduate or drop below half-time status, depending on your loan terms. It's also important to note that a change in the administrator of the federal student loan program should not affect your eligibility to defer payments while you're in school. However, making early payments during deferment can still reduce your total loan cost and help you get ahead with repayment.  I want to know if there will still be funding for students that are going to school outside of private lenders? I thought FAFSA helps us avoid interest on loans.  Great question! You’re not alone in wondering this. Yes, federal student aid through FAFSA is still currently available. Nothing has changed how students apply for, or receive, federal grants, work-study, or subsidized loans.   While there have been recent discussions about potential shifts in how federal education is managed, no changes to FAFSA or federal aid have been approved at this time.   If you’re planning for school, it’s still a good idea to complete your FAFSA application as soon as possible and explore all options- federal and private loans- as well as scholarships to make the best financial decision for your situation.  Will FAFSA payments be altered or canceled altogether because of the DOE getting cut?  As of today, we haven’t heard anything about FAFSA payments being altered or canceled due to changes with the Department of Education. While there have been some changes within the DOE, they’ve assured that essential programs like FAFSA are still up and running. You can continue applying for financial aid as usual, and we’ll keep you updated if anything changes.  Why is FAFSA taking so long this year?   FAFSA is taking longer this year due to a major redesign for the 2024–2025 academic year, aimed at simplifying the process. However, technical issues and reduced staffing at the Department of Education have caused delays in processing and sending information to colleges. We know it’s a stressful time, especially when you're waiting on financial details to make decisions, but these delays are part of the transition to the new system.  Can I still submit my FAFSA if I haven’t yet?   Yes, you can still submit your FAFSA! The federal deadline to submit the FAFSA for the 2024-2025 academic year is June 30, 2025. However, some states and schools have earlier deadlines for their own aid programs. Just keep in mind that some funding might be limited the longer you wait, so try to submit it as soon as you can to maximize your chances of getting the most aid available.  How is FASFA and other forms of aid like TAP, going to be affected? And how can people go about paying for their education?  We know how important financial aid is, and we want to reassure you that FAFSA and programs like TAP are still available to help you pay for school. There’s been a lot of talk about changes, but for now, nothing has affected these programs, so you can still count on them to support you.    With the income-based repayment plan no longer available, how much will students expect to pay monthly in repayments and what advice can you share about how to do this with a small income?  Good news – the application process for income-driven repayment (IDR) plans, including SAVE, PAYE, ICR, and IBR, is now open again after a brief pause. This means borrowers can apply for these plans and potentially reduce their monthly payments based on income, providing valuable relief if finances are tight. However, while the application process is back up and running, several provisions of these plans remain on pause. For more details, visit: https://studentaid.gov/announcements-events/idr-court-actions.  If you’re working on a smaller income, we recommend looking into one of these plans. Along with that, taking a look at budgeting strategies can help you make the most out of your funds. Don’t forget to check out any forgiveness programs that might be available to you, as well. They could really make a difference in the long run.   For further assistance, student borrowers should reach out to their loan servicers or visit the Federal Student Aid website for the most up-to-date guidance and resources.  Can you provide general info on a Parent Plus Loan?  A Parent Plus Loan is a federal loan that lets parents help cover the cost of their child’s college education. It can cover up to the full cost of attendance, minus any other aid, and has a fixed interest rate of 9.08% for the 2024-2025 school year. This process includes a simple credit check, and while payments usually start after the loan is disbursed, parents can request to defer payments while their student is in school.  Thank you for this opportunity. As a prospective international student, what are my chances of getting funding, considering these new changes? Thank you.  Ascent offers loans to international students with creditworthy U.S. cosigner. While recent changes to the Department of Education may impact federal loan processes, Ascent’s eligibility for international students remain simple: you’ll need a U.S. cosigner and be enrolled at least half-time.  To stay informed about loan options and eligibility criteria, we welcome international students to visit our International Student Loans page.  How can I reduce my payments to something actually manageable?  Making your loan more manageable is all about staying proactive! You can set up automatic payments to keep things simple and avoid any late fees. If you’re able, try to pay a little extra each month – even small payments can help reduce your balance faster. And remember, the Ascent team is always here to help!   To explore more options for making your loan payments more manageable, you can contact Ascent’s customer service team.   How can I push for the Department of Education to stop changes?!!  It’s understandable to want your voice heard, especially when it comes to something as important as education and student loans. There are lots of ways to get involved – reaching out to your reps, joining advocacy groups, or signing petitions can all help.   Here are a few petitions you can sign:  Link & Link  Find the best way that works for you to get involved. Your voice counts!  Why does Ascent care?  At Ascent, we’re committed to helping students achieve their goals, and we know education is an important investment in your future. Our goal isn’t just about providing loans – it’s to empower you with clear, accessible options so you can make the best financial choices for your future. Your success means a lot to us, both while you’re in school and beyond. 

Many students dream of attending top universities like UCLA, UC Berkeley, USC, or Ivy League schools such as Columbia and Cornell, but face two major obstacles: competitive admissions and high tuition costs.  A common misconception is that if you don’t get into your dream school straight out of high school, you’re stuck with your alternative. What many people don’t realize is that transferring is a strategic move—not a backup plan. By completing general education requirements at a community college, students can cut tuition costs in half while keeping their options open for prestigious four-year universities.  Why Starting at Community College Can Save You Thousands  College tuition has never been higher, making cost a major factor in choosing a school. According to the Education Data Initiative, the average cost of attendance for students living on campus at a four-year university is:  In-State Public University: $27,146 per year, which is $108,584 over four years  Out-of-State Public University: $45,708 per year, which is $182,832 over four years  Private Nonprofit University: $58,628 per year, which is $234,512 over four years  These figures don’t include expenses like textbooks, food, and transportation, which add thousands more per year.  In comparison, community college tuition is typically under $5,000 per year. Since your first two years are often focused on general education classes—completing them at a community college cuts overall tuition costs in half while still earning the same degree once you transfer.  Some states even offer tuition-free community college programs, like the California Promise or Tennessee Promise, which help eligible students attend with little to no cost. Depending on your state and financial situation, enrollment fees may also be waived.  Transfer Admission Guarantee (TAG): A Direct Path to a UC  For students attending a California Community College (CCC), the UC Transfer Admission Guarantee (TAG) program offers guaranteed admission to one of these six UC campuses:  UC Davis  UC Irvine  UC Merced  UC Riverside  UC Santa Barbara  UC Santa Cruz  While TAG does not apply to UCLA, UC Berkeley, or UC San Diego, students can still apply to those schools through the regular UC transfer process.  To qualify for TAG, CCC students (including international students) must:  Maintain at least a 3.4 GPA in transferable courses (some majors require higher)  Complete required coursework, including IGETC (Intersegmental General Education Transfer Curriculum, California’s general ed transfer pathway) and major preparation courses   Earn at least 30 transferable semester units before applying and 60 by the time of transfer  TAG applications are submitted between September 1–30, a year before transfer. Students must still complete the UC application in November.  UCLA Transfer Alliance Program (TAP)  If you’re aiming for UCLA, the Transfer Alliance Program (TAP) provides priority admission consideration for students who complete an honors program at a participating California Community College.  TAP students who aren’t accepted into their first-choice major may also be considered for an alternate major, giving them a better chance of admission in UCLA’s competitive transfer process.  Other State Transfer Guarantees   While TAG and TAP are specific to California, many other states offer similar programs:  SUNY (New York): Transfer Guarantee to a four-year SUNY school  Florida’s 2+2 Transfer Program: Guaranteed university admission after earning an AA degree  University of Texas CAP: Transfer agreements with top schools like UT Austin  No matter where you live, many universities have formal transfer agreements that allow students to start at a more affordable college before transitioning to a top university.  How to Use Student Loans (and Private Loans) Strategically  The cost of attendance for college isn’t just about tuition—it includes textbooks, supplies, food, housing, and transportation. These additional expenses can add up quickly, making financial aid and scholarships essential for many students.  Filing the FAFSA (Free Application for Federal Student Aid) is the first step to determining eligibility for financial aid such as:  Pell Grants (need-based, no repayment required)  Federal student loans (low-interest loans with flexible repayment options)  Work-study programs (part-time jobs that help students earn money while in school)  If grants and federal loans don’t fully cover your expenses, private student loans can help bridge the gap.   Private student loans are offered by banks, credit unions, and lenders like Ascent to cover extra costs such as tuition, housing, and other school-related expenses. Unlike some federal loans, private loans may require a credit check or cosigner but often provide competitive rates and flexible repayment options.  Ascent stands out by offering both cosigned and non-cosigned student loans, giving students more flexibility when financing their education. You can check your rates in less than 3 minutes without impacting your credit score. Ascent provides free resources, tools, and scholarship opportunities to help students make informed decisions about paying for college.  Scholarships for Transfer Students  Many universities and private organizations offer scholarships specifically for transfer students, helping reduce tuition costs and reliance on loans. Some notable scholarships include:  USC Transfer Merit Scholarship  UCLA Transfer Scholarship  Texas Christian University Transfer Scholarships  Jack Kent Cooke Foundation Undergraduate Transfer Scholarship  Phi Theta Kappa (PTK) Scholarships  Coca-Cola Academic Team Scholarship  In addition to these, Ascent has given away over $330,000 in scholarship giveaways to date and is always adding more scholarship opportunities—open to all students, with no essay or GPA requirement. These Ascent scholarship giveaways are a great opportunity for transfer students to earn extra money toward tuition, books, or other school expenses.  Smart Borrowing Tips  For students who need to take out loans, borrowing wisely is key to avoiding excessive debt. Here are a few smart borrowing tips:  Borrow only what you absolutely need for essential education costs  Set up autopay to qualify for interest rate discounts and avoid missed payments  Consider making monthly payments while in school—even small amounts like $25/month help you pay off your loan faster  If you’re exploring private loans, Ascent offers flexible private student loans designed for transfer students with both cosigned and non-cosigned options, competitive rates, and repayment plans built to fit your needs.  By making informed financial decisions, students can maximize the benefits of transferring while keeping costs manageable.  Bonus Resource: Ascent also offers AscentUP, which is an online platform with 50+ hours of expert content designed to help students build financial skills, stay on track academically, and prepare for their careers. It’s free for borrowers and a great way to boost your financial confidence while working toward graduation, and gain access to remote, paid internship opportunities.  Final Thoughts: Transferring is a Smart Financial Strategy  Starting at a community college is a clear and cost-effective path to a top university while keeping your education expenses under control.  When used wisely, student loans can be an investment in a better education and future earning potential. Scholarships, transfer programs like TAG and TAP, and smart borrowing strategies can help students graduate from a prestigious university with significantly less debt.  Transferring is a strategic way to earn the same degree at a fraction of the cost. With the right planning, you can position yourself for success at your dream school while keeping your financial future secure.  Whether you’re just starting out at community college or preparing to transfer to your dream school, Ascent is here to help. From flexible private student loans to monthly scholarships and resources like AscentUP, we’re committed to helping students fund their education and their future responsibly.  Explore your options with Ascent today!  About the Author                                                                                                         Kristina Nguyen is a community college student studying Business Administration with an emphasis in Marketing. As President of the Business Club and Transfer Club at her school, she helps students navigate the transfer process, connect with industry professionals, and access scholarship resources. After graduating from high school at 16, Kristina entered community college unsure of what to expect and unaware of the many opportunities available. Now, as she prepares for her own transfer to a four-year university, she’s passionate about helping other students feel confident in their journey and realizes there’s no shame in taking an alternative route to their goals. 

Major Takeaways from Ascent & SAFE Credit Union Webinar: Paying for College 101: Navigating FAFSA®, Scholarships & Loans With tuition costs on the rise, securing financial aid is key to making higher education more affordable and reducing financial stress. Understanding your options—grants, scholarships, work-study programs, and student loans—can help you navigate the process with confidence. We partnered with SAFE Credit Union to host a webinar, “Paying for College 101: Navigating FAFSA®, Scholarships & Loans.” We gathered expert panelists from Ascent including Erin Annis, School Support Coordinator, and Kumba McGill, Relationships Manager, to speak with the Event Host, Savannah Brown, Community Development Specialist at SAFE Credit Union. The discussion focused on demystifying financial aid, offering practical tips, guiding students through the FAFSA process, and answering valuable questions. If you missed the webinar, no worries! Feel free to watch it here. Understanding your financial aid options is crucial for making informed decisions about financing your education. Our panelists thoroughly reviewed four types of financial aid: federal and state grants, scholarships, work-study programs, and student loans. FAFSA®, also known as the Free Application for Federal Student Aid, is the key to accessing federal financial aid, including grants, scholarships, work-study, and loans, with many states and colleges using it for additional aid. Submitting it early maximizes funding opportunities, making college more affordable through need-based aid and low-interest loans. Our panelists suggest that if you have these qualities, you are eligible to submit an application: Financial Needs You need money to help pay for your education High School Diploma or GED U.S. Citizen and eligible non-Citizens Enrolled or accepted in an eligible degree or certificate program To maintain your eligibility, we advise you to do the following: Maintain a +2.0 GPA Do not default on any student loans Keep your non-citizen status intact Do not get it revoked Enroll in a qualifying degree/certificate program Reach the maximum amount you can borrow from the federal government for a lifetime To get you started, our panelists guided students and parents through the process of how to complete the FAFSA application. Before beginning the process, here are some quick notes: Students should start and complete this application as soon as possible and regardless of if they think they qualify Parents will have to fill out their own sections if students are dependent Under the age of 24, not married, no children, not in the military or homeless Students and parents must use different email addresses when creating their FSA ID Pro Tip: If you're unsure about a question, use the “Hint (?)” icons for guidance on providing exactly what is needed. Next, our panelists recommend you grab a cup of coffee or tea to carry you through this hefty process: To stay prepared, you should have the following documents beside you: 2023 federal tax forms and W-2's Untaxed income Child support Verterans’ non-educated benefits Supplemented Support Income (SSI) Cash and investment balances Your top schools Up to 20 options Financial aid offers Here are the steps to completing the FAFSA application: Log into FAFSA.gov Use your FSA ID Used as your electronic signature Save this along with your password! If you submitted FAFSA last year, use same FSA ID Fill out FAFSA Sections 36 questions Enter basic demographic information Insert your college choices Choose your dependency status Questions to determine your dependency If dependent, answers all questions “No” Parents need to fill out their portion Fill out parents’ information and income IRS DRT: invite, consent, and approval are required Fill out student income IRS DRT Sign, submit, and you are all done! Included are important due dates and deadlines to consider: 2025-2026 FAFSA forms are available now! Submit them by 11:59 CT, June 30, 2025 Schools send financial aid offers estimated by mid-to-late February Look out for the following: School/ state deadlines for institution or state aid/grant School offers Institution aid First come first serve Complete the application as soon as possible! Phew! Now that we have covered the FAFSA application process, you have access to a wide range of financial aid opportunities. In addition to federal and state grants, we’ve outlined three more key sources of financial aid to help support your education: Scholarships & Grants: “Free Money,”, no payment required! Federal & State Grants Free aid based on financial needs (ex. Pell Grants, FSEOG) Scholarships Merit-based, need-based, specialized opportunities Local & national databases provide access to thousands of scholarships Private companies and organizations To date, Ascent has given away over [scholarship_awards_amount] in scholarships to students and families. Enter now for a chance to win one of our easy-to-apply, no-essay scholarships! You do not need to have an Ascent loan to enter. Here are some strategies to secure a scholarship or grant: Tailor your applications to the specific scholarship/grant Write compelling essays that draw in your readers Track deadlines – apply early! Work Study Programs: Earn While You Learn Need-Based Aid Paid towards tuition Determined by FAFSA Part-Time Employment Earn money for expenses through on-campus employment Direct Pay & Earnings Wages paid directly to students, not applied to tuition How to Apply? Job Application is required Apply for and be hired by campus departments Funding for campus jobs Departments receive funding for positions, students actively seek & secure employment to utilize the award Student Loans: Federal vs. Private Federal (FAFSA required!) Lower interest rate, flexible repayment options Subsidized loans: interest is not charged while in school Unsubsidized loans: interest is charged while in school Private Best used after exhausting all federal aid options Compare lenders: interest rates, repayment terms, benefits Paying for college may seem overwhelming, but with the right resources and knowledge, you can navigate the financial aid process with confidence. From FAFSA® and scholarships to work-study programs and student loans, there are many ways to make higher education more affordable. By applying early, exploring all funding options, and staying informed about deadlines, you can maximize your financial aid opportunities and set yourself up for success. Remember, you're not alone on this journey! Ascent and SAFE Credit Union are here to support you with valuable resources, scholarships, and guidance.

Finding a cosigner for your student loan can be a difficult process. Ascent has four tips for finding a cosigner for your student loan.

More high school grads are going straight to community college after graduation. Learn why students are choosing community college after high school.

College application deadlines determine the dates student applications must be submitted to be considered for the upcoming school year. While every college is free to set its own application deadlines, many colleges have the same deadlines or at least similar ones. Most colleges offer multiple application options, including early action, early decision, regular decision, and rolling admission.  Which application deadline you submit can impact your eligibility for certain admissions or program types. It can also influence your likelihood of acceptance or the number of schools you can choose between. If you’ve been wondering when college applications are due for fall 2026, we have everything you need to know. When to Apply for College: Fall 2026 Most college application deadlines fall within narrow windows of about two weeks. This is because most colleges and high schools follow similar academic years, which simplifies the process for students and institutions. Below are some key college application deadlines to have on your radar for the 2025-2026 academic year.  Early action: November 1–15, 2025 Early decision: November 1–15, 2025 Regular decision: January 1–15, 2026 Rolling admission: No set deadline While you’ll have to start planning earlier, it’s smart to apply for early action or early decision if you can. The sooner you know what college you’ll attend, the less stress you’ll feel the rest of the year. Aim for the following college deadlines if you plan to apply for early admission for the 2026 school year:  April–May 2025: Take the ACT or SAT June 2025: Request letters of recommendation August 2025: Start writing your essays October 2025: Apply for student aid November 2025: Submit application Remember that these are just general guidelines. Application deadlines for colleges vary, so it’s important to check the official website of each school you’re interested in. Types of Application Deadlines for Colleges When college applications are due for fall 2026 is probably only your first question. You’ll also want to know what each type of application means and when you can expect a decision. Check out the chart of college deadlines below and then read on for more detailed information.  Admission TypeDescriptionApplication DeadlineAdmission DecisionEarly actionApply to a single school earlyNovember 1–15, 2025Mid-DecemberEarly decisionApply to multiple schools earlyNovember 1–15, 2025Mid-DecemberRegular decisionApply to multiple schools using the standard processJanuary 1–15, 2026Mid-March to early AprilRolling admissionOngoing admissions until all spots are filled No set deadline4–6 weeks after application Early Decision (ED) Deadlines Early decision allows you to apply to a single school (typically your top choice) early in your senior year of high school. If you’re admitted under early decision, you are committed to attending that college and must withdraw any other applications, so it’s important to be sure the school is the right fit.  Many colleges notify early-decision applicants by mid-December, giving you an earlier answer compared to other application types. However, since you must commit if you’re accepted, you won’t have the opportunity to compare financial aid offers from multiple schools. Early Action (EA) Deadlines Early action allows you to apply to a school early in your senior year of high school (often at the same or similar deadline to early decision). Unlike early decision, early action is non-binding, meaning you can apply to multiple schools and wait to make a final choice. This allows earlier awareness and more flexibility in the college decision process. Some schools offer restrictive early action, which limits how many early applications you can submit, so be sure to check each school’s policies. Regular Decision (RD) Deadlines Regular decision is the standard application process. Applications are due in late fall or early winter, and acceptances are sent out in late winter or early spring. You may apply to several colleges under regular decision deadlines without forming a binding commitment. This option gives you the most time to complete your application, gather recommendation letters, and improve your academic record before applying. Rolling Admissions Deadlines Schools with rolling admissions have no set deadline and typically accept applications from fall through spring, often from September to June, though it varies. Decisions are usually sent out within a few weeks of applying, which means you may receive an acceptance letter much sooner than with regular decision. While this offers flexibility, it’s still best to apply as early as possible, because spots may be limited later in the admission cycle. College Transfer Deadlines College deadlines for transfer students vary tremendously from institution to institution and semester to semester. For example, most colleges that accept transfer students have separate fall semester transfer deadlines, spring semester transfer deadlines, and summer semester transfer deadlines. Some schools also have priority deadlines for transfer students, which can help increase your chances of receiving financial aid or securing a spot in competitive programs. Scholarship Deadlines Applying for scholarships on time is one of the most important things you can do to improve your likelihood of both receiving financial aid and increasing the amount of aid you receive. Since deadlines vary widely, it’s a good idea to keep a list of upcoming scholarship opportunities and submit applications as early as possible. Some scholarships require essays, recommendation letters, or additional materials, so give yourself plenty of time to prepare.  Get a head start on scholarships by applying for one of Ascent’s no-essay scholarship giveaways today. Late Applications and Special Conditions Application deadlines for colleges are strict and not meeting them usually means you will not be accepted into that school (especially for more competitive schools). But if you miss a deadline, it does not mean all hope is lost. Late college applications can present special challenges, but you may have options. Here are some of the most helpful things you can do: Apply for rolling admissions: Because institutions with rolling admissions accept applications until all spots are filled, they may be an option for applicants who missed deadlines at other schools. Research late deadline options: Some colleges offer extended deadlines for specific circumstances, especially if their class has not been filled. Check admissions websites for details or contact the admissions office directly. Be prepared to explain why you could not meet the application deadline, supported by documentation. Seek a deadline extension: Even if your desired school doesn’t have an extended deadline, they might be willing to accommodate special circumstances if notified in advance. To maximize your chances of consideration, contact admissions offices as early as possible, explain the circumstances clearly and concisely, and offer a plan with a reasonable timeline.  Explain in your application: Address any challenges or adversity you have faced, especially if these circumstances impacted your ability to meet the application deadline. Many colleges provide a section where you can provide additional context or include a personal statement that can be leveraged for this purpose. Seek support from guidance counselors: High school guidance counselors can provide general support and may have advice on handling your particular circumstances.  Pros and Cons of Early Applications There are many potential benefits of meeting early application deadlines for college. However, some early application deadlines might bind you to a particular school, so it is important to be careful. Some of the most important benefits of early applications include: Increased chance of admission: Most colleges have a higher acceptance rate for early applicants. Applying early shows you’re serious about attending, especially if you’re willing to commit through early decision. Many schools take that into account. Plus, you’ll have less competition because the pool of applicants is smaller. Higher priority for financial aid: Financial aid is limited to public and private sources. Many institutions distribute aid on a first-come, first-served basis, and many private and public scholarships do the same. Reduced stress: Not only does hearing back early reduce the stress associated with waiting to hear back from college (especially if it is the student’s dream school), but it also gives both you and your family more time to plan, prepare, and apply for financial aid and scholarships. However, when college applications are due early, you might feel rushed or run into other disadvantages: Early decision is binding: If you apply early decision and are accepted, you must attend that school, which means you can’t compare financial aid offers from other colleges. This can be unfavorable if the school doesn’t offer enough financial aid to meet your needs. Less time to prepare: Early deadlines mean you have less time to improve your GPA, strengthen your extracurricular activities, or retake standardized tests. If you need more time to boost your application, applying early may not benefit you. Key College Applications Deadlines 2024 Most college application deadlines fall within narrow windows of about two weeks. This is because most colleges and high schools follow similar academic years, which simplifies the process for students and institutions.  Below are some key college application deadlines to have on your radar for the 2024-2025 academic year: Early Decision and Early Action Deadlines – November 1-15, 2024 Regular Decision Deadlines – January 1-15, 2025 Rolling Admissions – Ongoing until all spots are filled  Financial Aid deadlines – Dates vary Scholarship deadlines – Dates vary Remember that these are just general guidelines. It’s important to check the official website of each school you are interested in for that specific institution’s deadlines. Tips and Strategies for Meeting College Application Deadlines As you start thinking about when college applications are due, you should also be getting organized so you can make sure your applications are accurate, submitted on time, and paint you in the most favorable light. Here are some tips and strategies: Create a timeline: Develop a detailed timeline that includes application deadlines for the schools you want to apply to, standardized test dates, and any other relevant milestones.  Set incremental goals: Break down large tasks into smaller, more manageable steps. Identify which tasks require the most time, like completing essays and gathering recommendation letters, so you can prioritize those. Utilize digital tools: Apps like Trello, Notion, Evernote, or Todoist can help you list application deadlines, scholarship due dates, and test registration cutoffs. Set reminders to give yourself time to finalize everything. Set up a specially dedicated calendar: Calendar apps like Google Calendar allows you to color-code and categorize, set reminders, sync your calendar across devices, and share it with your supporters. Keep all documents in one place: Use Google Drive or Dropbox to store copies of your transcripts, essays, recommendation letters, and test scores so you can easily access everything you need. Apply with Confidence with Ascent While you may be wondering when college applications are due, that’s just one step in achieving your higher education goals. One of the most important decisions you must make regarding your education is how to pay for college. Although financial aid and scholarships may cover a portion of your expenses, they may not cover the full cost of attending college.  Ascent's private undergraduate student loans can help fill those gaps. Our cosigned student loan and no cosigner student loan options are designed to provide students and their families with the support they need. Let us help you achieve your financial and educational goals. FAQ When Should You Start Applying for Scholarships for College? You can start applying for scholarships as early as your junior year of high school, and some colleges even accept applications from younger students. Many scholarship deadlines fall between the summer before senior year and early spring of senior year. Applying early gives you more opportunities to secure financial aid and reduces the amount you need to borrow for college. Do You Apply for College Junior or Senior Year? Most students begin the college application process in the summer or fall of their senior year. However, junior year is a great time to start researching schools, preparing for standardized tests, and gathering application materials. Some special programs or early admissions opportunities may allow students to apply before senior year, but most regular applications open in August or September of senior year. How Strict Are College Application Deadlines? Application deadlines for colleges are typically very strict, and missing them can mean losing your chance to apply for that term. Some schools may offer late application options, but competitive programs usually have firm deadlines with no exceptions. It’s always best to submit your application early to avoid last-minute issues and ensure everything is received on time. When Are Application Deadlines for Colleges? Most early decision and early action deadlines fall between November 1 and November 15, while most regular decision deadlines fall between January 1 and January 15. However, every college can set its own application deadlines, so you should check with the official admissions website or the admissions department of every college you’re considering. What Does the FAFSA Have to Do with the Deadline to Apply for Colleges? The Free Application for Federal Student Aid, better known as FAFSA, is closely tied to college application deadlines, and its submission is a critical component of the financial aid process. Many colleges use the FAFSA to determine a student’s eligibility for financial aid, such as federal grants, work-study programs, and federal student loans. It's important to submit the FAFSA as early as possible to maximize eligibility for certain aid types and meet FAFSA deadlines. Check out the Ascent guide to FAFSA for more information.

EFC stands for Expected Family Contribution and is a number used in the FAFSA process to help calculate your eligibility for financial aid. Learn more about EFC and the switch from EFC to SAI.