Private Student Loan Advice & College Financing Resources

So, you've decided to go back to school, or maybe you're still weighing your options. Either way, you might be wondering: How do I return to college after taking time off?  Whether you took a gap year, stepped away to focus on work or family, experienced financial challenges, managed a health concern, or completed a degree and are now thinking about going back for another, you're not alone. There are many reasons students return to school, and taking time away from your education doesn't mean your academic journey is over.  The good news is that returning to college is possible at any stage of life. In fact, many students come back with greater clarity, stronger motivation, and valuable life experience that can help them succeed. No matter how long you've been away, there are steps you can take to make the transition back to school feel manageable and rewarding.  Returning to school may feel overwhelming at first, but you don't have to figure it out alone. We'll walk through the key steps to help you move forward with confidence and make your transition back to college as smooth as possible.  Reflect on Why You're Going Back to College  Before you start researching schools, filling out applications, or exploring your funding options, take a moment to think about why you're returning to college. Having a clear sense of purpose can help you stay focused and make decisions that align with your goals.  Take some time to consider:  What motivated you to return. Are you looking to advance your career, change fields, finish your degree, pursue a master’s or another degree?  What success looks like for you. Think about the opportunities, skills, or outcomes you're hoping to gain from earning your degree.  What's changed since you last attended college. Work experience, new responsibilities, and life experiences may have given you a clearer perspective on your goals.  How college fits into your future plans. Understanding how a degree supports your long-term goals can help keep you motivated throughout the journey.  Understand Your College Options  When returning to college, it's important to remember that you don't have to pick up exactly where you left off. The best path depends on your goals, schedule, finances, and current responsibilities. For some students, returning to their previous college is the simplest option. If the school still offers a program that fits your goals, you may be able to build on the credits you've already earned rather than starting over. The familiarity of your previous school can also make the transition feel less intimidating.  However, your needs may have changed since you last attended college. A different school may offer a program that better aligns with your career goals, more flexible scheduling options, or lower tuition costs. If you're considering transferring colleges, be sure to review how your existing credits will apply toward a new degree program. If you're returning for a master's or another degree, compare programs to find one that fits your current goals and plans.  You'll also want to think about what learning format works best for your lifestyle. Many schools offer:  Online programs  Hybrid programs  Evening or weekend classes  Part-time enrollment options  As you compare schools and programs, look beyond the degree itself. Consider factors like class schedules, support services, tuition costs using free calculators, and how much time you can realistically dedicate to school. Choosing a program that fits your life today can make it easier to stay on track and reach your goals.  Contact Your School and Review Your Academic Status  Once you've decided to return to college, reach out to your school as early as possible. An admissions representative or academic advisor can help you understand what steps you'll need to take and answer questions about enrollment, credits, and requirements.  Before you register for classes, make sure you understand:  Whether you'll need to reapply. Some students can simply re-enroll, while others may need to submit a new application depending on how long they've been away.  How many credits you already have. Request a copy of your transcript and review the coursework you've completed.  Whether your credits still count. If you're returning to your previous school, ask how your credits apply to your degree requirements.  How transfer credits work. If you're considering a new school, find out which credits will transfer. The more credits that transfer, the less time and money you may need to spend completing your degree.  Any requirements for returning students. Ask about enrollment policies or additional steps you'll need to complete before registering for classes. If you're pursuing a master's or another degree, ask about the admissions requirements and whether your previous degree meets them. Federal Student Aid also offers a checklist for preparing for graduate school.  A few conversations now can save you a lot of confusion later. You'll have a better understanding of where you stand academically and a clearer path toward your degree, whether you're finishing one you started or pursuing a new one.  How to Pay for College After Taking Time Off   Returning to school is an investment in your future, but that doesn't mean you have to figure out how to pay for it on your own. Taking the time to explore your funding options can help reduce stress and make it easier to focus on your education.  As you prepare to return to college:  Complete the FAFSA. Even if you've received financial aid in the past, submit a new FAFSA to see what federal grants, loans, and work-study opportunities you may qualify for.  Look for scholarships and grants. Many organizations offer funding specifically for adult learners, transfer students, or students returning to school for another degree.  Check with your employer. Some companies offer tuition reimbursement, education assistance programs, or professional development benefits that can help offset costs.  Understand your total cost of attendance. Consider more than just tuition. Books, fees, housing, transportation, and childcare expenses can all affect your budget.  Create a realistic spending plan. Having a clear budget can help you understand how much funding you'll need and avoid financial surprises during the semester.  Explore all available resources. A combination of financial aid, scholarships, employer benefits, savings, and other funding options may help make returning to school more affordable. If you still need additional money after exploring those options, a private student loan may help cover remaining education costs.  The more prepared you are financially, the more confident you'll feel as you take the next step toward earning your degree.  Build a Schedule That Works for You  Returning to college might look different than it did the first time around. You may be balancing classes with work, family responsibilities, or other commitments, so it's important to create a schedule that feels sustainable.  A few simple tips can help you build a schedule that works for you:  Consider your current responsibilities. Think about your work schedule, family commitments, and other obligations before deciding how many classes to take.  Choose a course load that works for you. Full-time enrollment can help you finish your degree faster, while part-time enrollment may provide more flexibility.  Stay organized. Use a calendar, planner, or app to keep track of class schedules, assignments, and important deadlines.  Start with realistic expectations. Your first semester back may take some adjustment, and that's okay. Focus on building momentum rather than taking on too much at once.  Remember, the goal isn't to have a perfect schedule. It's to create a routine that allows you to make steady progress toward your degree or next educational goal while maintaining balance in the rest of your life.  Prepare for the Transition Back to Student Life  Returning to college after time away can feel exciting, but it may also take some time to get back into the rhythm of being a student. The good news is that many of the skills you've developed while working, raising a family, or managing other responsibilities can help you succeed in the classroom.   Before classes begin, it can help to:  Refresh your study habits and note-taking skills  Familiarize yourself with any online learning platforms your school uses  Create a plan for managing assignments, exams, and deadlines  Identify academic resources, such as tutoring, writing centers, or advising services  Most importantly, be patient with yourself. It's normal for the first few weeks to feel like an adjustment period. You may need time to find a study routine, rebuild your academic confidence, and get comfortable balancing school with your other responsibilities.  Remember, you don't need to have everything figured out on day one. Focus on making progress, asking for help when you need it, and giving yourself the time and space to settle back into student life.  Find Your Support System  Having the right support system can make a big difference, especially when you’re returning to school. Start by connecting with your academic advisor. They can help you understand degree requirements, choose classes, and answer questions as you work toward graduation.  You can also look for opportunities to connect with other students. Whether it's a campus organization, study group, or online community, building relationships with people who share similar goals can help you stay motivated and feel more connected to your school.  Don't forget about the people already in your corner. Family members, friends, mentors, and coworkers can provide encouragement, help you stay accountable, and celebrate your progress along the way.  Your college likely also offers a variety of resources to help students succeed, including:  Tutoring services   Writing centers   Professor or instructor office hours   Academic advising   Study groups or peer mentoring  Taking advantage of these resources can help you navigate challenges, build confidence, and get the most value from your education. Since many of these services are available at little to no additional cost, they can be an easy way to access extra support when you need it.  Build Momentum, One Semester at a Time  Returning to college can feel overwhelming when you're focused on the end goal of earning your degree. Instead, try to take it one step at a time and focus on the progress you're making along the way.  Completing your first semester back, passing a challenging class, improving your GPA, or simply staying consistent with your coursework are all accomplishments worth recognizing. Celebrating these milestones can help you stay motivated and build confidence as you move forward.  It's also helpful to keep your long-term goal in mind. Whether you're returning to advance your career, switch industries, pursue a master's or another degree, or finish a degree you started years ago, remembering your "why" can help you stay focused during busy or challenging times.  Every step forward counts. Progress may not always happen as quickly as you'd like, but each class completed brings you closer to your goal.   You've Got This  Returning to college after time away can feel like a big decision, but you don’t have to have everything figured out before you begin. Whether you’re exploring your options, returning to a previous program, or starting somewhere new, you can take the process one step at a time.  Start by focusing on what you can do today. That might mean researching schools, talking with an advisor, completing the FAFSA, or registering for your first class. Each step can help you better understand your options and move closer to your goals.   Going back to school doesn’t have to look the same for everyone. Your timeline, goals, and path may be different from someone else’s, and that’s okay. With a clear plan and the right support, you can move forward at a pace that works for you and continue working toward your degree, next degree, or future goals. 

Woman learning how student loan disbursement works, including when student loan funds are sent and when she can expect to receive the money.

Paying for college can feel stressful, especially when your family’s finances don’t fit neatly into a form. Maybe there has been a job loss, or your income looks different now than it did on your tax return, or your family owns a small business and the numbers need a little more context.  When that happens, it's normal to have big questions: Will we qualify for financial aid? What happens if our circumstances changed? Can we ask the school to take another look?  The reassuring answer is “Yes! You can ask questions!” The FAFSA is still the place to start, but if job loss, small business ownership, changing circumstances, or another financial challenge affects your ability to pay, your school’s financial aid office may be able to explain whether a special circumstances review or financial aid appeal is available.  This guide can help your family feel more prepared, know what to ask, and understand how to work with schools if your financial situation needs more explanation.  Start With the FAFSA, Even if Your Family’s Situation Feels Complicated  The FAFSA gives schools the information they need to review federal financial aid eligibility. Even if your family expects to explain more later, submitting the FAFSA accurately is usually the first step.  Families often have follow-up questions when their situation includes:  Job loss or reduced income  Changing circumstances that affect what your family can pay  Small business ownership, business income, or business assets  If any of these apply, you don’t have to figure it all out at once. Complete the FAFSA as accurately as you can, then ask each school what review or appeal options may be available.  Don’t Rule Yourself Out Before You Know Your Options  Families sometimes assume they won’t qualify for help, especially if their income looks too high, they own a business, or their situation doesn’t fit neatly into the FAFSA. But it’s worth taking the first step before ruling yourself out.  Skipping the FAFSA can limit what your student may be considered for, including grants, work-study, federal student loans, state aid, school-based aid, and some scholarships. Submitting it gives your family real numbers to review instead of guessing what may be available.  After you submit, compare the results with what your family can realistically afford. If something important needs more explanation, ask the school whether a special circumstances review or financial aid appeal is available.  Some schools may call this a financial aid appeal, special circumstances review, or professional judgment review. The name may vary, but the goal is similar: helping the school understand information the FAFSA alone may not show.  If Your Family Needs More Context, Consider a Financial Aid Appeal  A financial aid appeal is a way to ask the school to review information that may not be fully explained by the FAFSA alone. It can give families a path to share important context, such as job loss, reduced income, changing circumstances, or a financial situation that needs more explanation.  An appeal isn’t a guarantee that your aid will change. It’s a way to ask the school to review new, unusual, or changed circumstances that weren’t fully reflected on your FAFSA.  Families may consider asking about an appeal if they experienced:  Job loss  Significant income reduction  Small business ownership, business income, or business assets that need more explanation  The school may ask for documentation, such as a termination letter, recent pay stubs, tax documents, a written explanation, medical bills, or other records. Requirements vary by school, so ask what they need before sending anything.  Had a Job Loss or Income Change? Ask How to Explain It  If your family’s income changed after the tax year used on the FAFSA, ask the financial aid office for help on how to best explain what changed. The school may be able to review your current situation through a special circumstances process.  After the FAFSA is submitted, you can keep the message simple:  “We submitted the FAFSA using the required financial information, but our family’s income has changed because of a recent job loss. Is there a process to have our financial aid reviewed based on our current situation?”  From there, the school can tell you what documentation is needed and what timeline to expect, so you aren’t left guessing about the next step.  Own a Business? Ask How the School Reviews It  If your family owns a small business, don’t assume the FAFSA tells the full story on its own. It’s worth asking the school how business income, assets, and documentation are reviewed.  Changes to the financial aid process have also affected how some business assets may be considered. Under the Student Aid Index, or SAI, some exclusions that existed under the old Expected Family Contribution, or EFC, calculation have changed.  Not every small business owner will be affected the same way, but it’s worth completing the FAFSA carefully, reviewing any school-specific requirements, and asking how business income, assets, or documentation will be reviewed.  A helpful question to ask:  “We own a small business, and I want to make sure we understand how that information is being reviewed. Are there any additional forms, documentation, or institutional requirements we should know about?”  This is especially important because some colleges may use FAFSA information alongside their own institutional process when awarding certain types of aid.  If the Numbers Still Do Not Make Sense, Ask What Can Be Reviewed  Your Student Aid Index, or SAI, can affect financial aid eligibility, but it isn’t the amount your family is expected to pay. If your family has questions about how job loss, small business ownership, or changing circumstances were considered, ask the school what review options exist.  The school may not be able to change your aid offer, and not every appeal results in more aid. But asking can help your family understand what was reviewed, what documentation may be needed, and what options are still worth comparing.  Before You Ask for a Review, Gather the Details That Help Explain the Situation  You don’t need to have every answer before you contact the school. But gathering a few clear details can make the conversation easier and help the financial aid office understand what you’re asking them to review.  You may be asked to include:  A short explanation of what changed  The date the change happened  How the change affected your family’s income or ability to pay  Supporting documentation  Any forms required by the school  Your student ID or application information  Keep your explanation honest and straightforward. You don’t need to write a dramatic letter. The goal is to help the school understand the situation, when it happened, and how it affects your family’s ability to pay for college.  Not Sure What to Ask the Financial Aid Office? Start Here  You don’t have to know the right financial aid language before asking for help. After you submit the FAFSA, these questions can help you start the conversation:  Do you offer a special circumstances or financial aid appeal process?  What situations qualify for review?  What documentation should we provide?  Is there a deadline to submit an appeal?  How long does the review usually take?  Could this review affect grants, scholarships, work-study, or loans?  If the appeal doesn’t change our aid, what other options should we consider?  Are there payment plans, emergency aid, or school-based scholarships available?  These conversations can feel intimidating, but financial aid offices expect families to have questions. Asking early can help you feel more informed, more prepared, and less alone in the process.  If Your Aid Still Leaves a Gap, You Can Plan From There  Sometimes a review doesn’t lead to more aid. If that happens, your family can still use what you learned to compare next steps and decide how to cover the remaining balance.  To plan for the remaining balance, you can:  Review scholarships and grants you may still be able to apply for, including Ascent’s scholarship opportunities  Ask about school-based or departmental scholarships  Explore payment plans offered by the school  Compare housing, meal plan, transportation, and textbook costs  Review federal student loan options  Look at the remaining gap after free aid and available resources  Ascent also offers no-essay scholarship opportunities that are quick to enter. See current scholarships here.  If there is still a balance left, private student loans may be one option to compare after scholarships, grants, savings, payment plans, and federal aid have been reviewed. Before borrowing, compare eligibility requirements, repayment expectations, interest rates, fees, and total loan cost so your family can make an informed decision.  You can also use Ascent’s student loan calculator to estimate potential monthly payments and better understand how different loan amounts, terms, and interest rates may affect your total cost.  Bottom Line: Start With FAFSA, Then Work With the School  If your family is dealing with job loss, small business ownership, changing circumstances, or questions about whether to appeal, start by submitting the FAFSA. Then contact the financial aid office at each school to ask what review process may be available.  You may not get every answer right away, and an appeal isn’t a guarantee of more aid. But asking early can help your family understand the process, prepare the right documentation, and make a plan with more confidence.  Want a deeper walkthrough of recent federal student aid changes, including borrowing limits, grant eligibility, repayment options, and planning steps for families? Watch Ascent’s Financial Aid Changes for 2026: What Families Should Know webinar, here. 

Trying to figure out whether your family will qualify for financial aid can feel confusing, especially when college costs already feel high. You may be wondering if your income is too high, whether savings will count against you, or what your FAFSA® results actually mean.  The encouraging part for many families is that eligibility is based on more than just what a household earns. Schools also review FAFSA details like certain assets, household information, your Student Aid Index, and the school’s cost of attendance. Completing the FAFSA gives your family real numbers to work with, instead of trying to guess what may be available.  If you’re trying to understand what your family may qualify for, start here. We’ll walk through the pieces that can affect your aid offer, including income, assets, SAI, Pell Grants, and school costs, so you know what to look for and what questions to ask next.  Start with the FAFSA Before You Rule Out Aid  The FAFSA is the best first step if you want to see what financial aid may be available. The FAFSA, or Free Application for Federal Student Aid, is the form students and families use to apply for federal financial aid, including grants, work-study, and federal student loans. Many states, colleges, and scholarship programs also use FAFSA information when deciding how to award aid.  If you are not sure whether your family will qualify, submitting the FAFSA is still an important first step. Some aid cannot be considered until the FAFSA is complete, and the results can give your family a clearer picture of the options available before you make decisions about how to pay for college.  Your SAI Is Not Your Bill  Your Student Aid Index can affect need-based aid, but it is not the amount your family will be expected to pay. After you submit the FAFSA, you’ll receive a FAFSA Submission Summary that includes your Student Aid Index, or SAI. The SAI replaced the Expected Family Contribution, or EFC, and is used by schools to help determine financial aid eligibility.  One helpful thing to know: your SAI is not a bill and it is not the exact amount your family will pay. It is an eligibility number schools use with their cost of attendance to help calculate need-based aid, including certain grants and school-based aid.  In general, a lower SAI may mean a student qualifies for more need-based aid, while a higher SAI may mean less need-based aid. But SAI is only one part of the decision. The school’s cost, available aid, and other FAFSA details can all affect the final offer.  For more information on SAI, check out our guide, How Your SAI is Calculated, here.  What Can Affect the Aid Your Family Receives  Your final aid offer depends on several details, which is why it can be hard to predict using income alone. Common factors may include:  Family income and certain untaxed income  Assets that must be reported on the FAFSA  Household size and family circumstances  The school’s total cost of attendance  Enrollment status, such as full-time or part-time enrollment  Scholarships, grants, and other aid already awarded  Think Your Income Is Too High for Financial Aid? Start Here  This is a question almost every family asks, and the answer is not always as simple as it seems.  There is not one income number that automatically rules a family out of all financial aid. Income matters, but so do household size, certain assets, school cost, and other family details reported on the FAFSA.  Even if your family does not qualify for every type of need-based aid, completing the FAFSA can still help you see what options are available. Depending on your situation, that may include federal student loans, merit scholarships, state aid, school-based aid, payment plans, or private student loans.  How Savings and Assets Can Affect Your Eligibility  Savings and assets can play a role in financial aid eligibility, but they do not all count the same way. The FAFSA may ask families to report savings, investments, and business or farm information in certain situations. What you report can depend on your family’s specific circumstances.  If you are unsure what should be included, review the FAFSA instructions or reach out to the school’s financial aid office. They can help you understand what information is needed so your family’s aid offer is based on the most accurate details.  Could a Pell Grant Help Lower Your College Costs?  A Pell Grant can make college more affordable because it generally does not need to be repaid. Eligibility is based on FAFSA information and may depend on factors like SAI, income, family size, enrollment status, and the school’s cost of attendance.  Because Pell Grant eligibility is not based on one simple income cutoff, it is worth completing the FAFSA before assuming your student will or will not qualify. The FAFSA results and each school’s aid offer will give you the clearest answer.  Why Your Aid Offer May Look Different at Each School  Your aid offer may look different from another family’s, even if your incomes are similar. Assets, household details, enrollment plans, school costs, scholarships, and other FAFSA information can all affect the final result.  Aid can also vary by school. One college may have a higher cost of attendance or more institutional aid available than another, which means the same FAFSA information may lead to different offers at different schools.  How 2026 Financial Aid Changes Could Affect Your Planning  If your family is planning for the 2026–27 school year, recent federal student aid updates are worth paying attention to. They may affect loan limits, grant eligibility, repayment options, and how much is left to cover after scholarships, grants, and federal aid are applied.  If your family’s financial situation has changed because of a job loss, income change, or another major circumstance, contact the financial aid office at the schools you are considering. Many schools have a process for reviewing special circumstances, and reaching out early can help you understand what options may be available.  Once Your Aid Offer Arrives, Here’s How to Review It  Your aid offer can help you see what college may actually cost, but it helps to slow down and separate the pieces. Start by comparing the school’s total cost of attendance with the aid you have been awarded. Look first at money that does not need to be repaid, like scholarships and grants. Then review federal aid, work-study, payment plans, and other options the school offers. If there is still a remaining balance, that amount is your funding gap.  A simple way to think about it is:  Cost of attendance − scholarships, grants, and other aid = amount left to cover  From there, you can compare the remaining options and decide what works best for your family’s budget, goals, and comfort level.  The Bottom Line: Apply, Review, and Ask Questions Early  The best way to understand your family’s options is to complete the FAFSA, review each aid offer carefully, and ask questions early. Financial aid eligibility depends on your family’s full financial picture, your school, and the information reported on the FAFSA, so the most helpful answer is usually the one based on your actual results.  Want a deeper walkthrough of what changed? Ascent’s Financial Aid Changes for 2026: What Families Should Know webinar explains the federal student aid updates that began July 1, 2026, including how much families can borrow, who may qualify for grants, and what repayment options may look like.  It can be a helpful next step if you want to understand how these changes may affect your family’s college planning.  Financial aid FAQs  Is my Student Aid Index the amount my family will pay?  No. Your Student Aid Index is not a bill, and it is not the exact amount your family will owe. Think of it as one number schools use to understand financial need and calculate aid. Your actual costs will depend on the school’s cost of attendance, the aid you receive, and any remaining balance after scholarships, grants, and other aid are applied.  Will the 2026 financial aid changes affect every family?  Not always. Some families may not notice much of a difference, while others may need to look more closely at their aid offer, borrowing needs, or grant eligibility. The best place to start is your student’s actual financial aid offer, since that will show what is available and what your family may still need to plan for.  What should families look for in a financial aid offer?  Start with the basics: how much of the offer is scholarships and grants, how much is loans, what costs are covered, and what costs are not. If there is still a balance left over, that is the amount your family can plan for next.  How do families usually cover a funding gap?  Many families use a mix of resources to pay for college, such as scholarships, grants, federal aid, savings, income, payment plans, and, when needed, additional financing options. Once you know the gap, you can compare what fits your family’s budget and comfort level. 

We’re proud to share that Ascent has been recognized as one of Southern California’s Best Places to Work by Best Companies Group, an independent organization that honors companies creating strong workplace experiences for their teams.  Best Places to Work SoCal is a research-driven program from Best Companies Group that reviews participating companies’ practices, programs, and benefits, then gathers employee feedback about their workplace experience. Companies that meet the program’s criteria are named among the Best Places to Work SoCal. For Ascent, this recognition reflects more than our benefits or programs. It reflects the people who make our work meaningful every day.  At Ascent, we’re focused on building a workplace where people feel supported, trusted, and able to grow. Our mission is to help students access education and move toward academic and economic success, and we know that work starts with our own team. When employees feel valued and connected to the work they do, they’re better equipped to make a meaningful impact.  Our team is curious, collaborative, and open to new ideas. Leaders encourage learning, create space for feedback, and support career growth across the company. We believe great ideas can come from anywhere, and we work to make sure employees feel heard, included, and empowered to contribute.  Supporting employees means supporting the whole person. Ascent offers flexible and hybrid work options, generous PTO and leave policies, paid parental leave, wellness support, continuing education opportunities, and a 401(k) match. These benefits are designed to help team members care for themselves, grow professionally, and build sustainable careers.  Recognition is also part of how we show appreciation. Through programs like Cosmic Kudos, professional development opportunities, and company-wide celebrations, Ascent makes time to acknowledge the work happening across the team. It’s one way we help create a culture where people support each other, celebrate progress, and take pride in the impact they’re making.  “We’re proud to have built a workplace where employees feel trusted, supported, and genuinely connected to the work they do,” said Emily Skoubo, Director of Human Resources at Ascent. “This recognition reflects the collaborative culture our team has created together and our continued focus on providing an environment where people can grow, contribute, and feel valued.”  At its core, Ascent’s culture is people-first and purpose-driven. Team members support one another, celebrate wins together, and stay connected to a shared goal: helping students and families plan for, pay for, and succeed in school. That mix of mission, collaboration, and opportunity is what makes Ascent a great place to work.  We’re grateful to every employee who helps shape that culture every day and proud of what we’ve built together. As Ascent continues to grow, we’ll keep investing in our people, strengthening our culture, and creating opportunities for employees to do meaningful work while building rewarding careers. Because when our people succeed, the students and families we serve benefit too. 

Industry recognition highlights Ascent's flexible repayment options, no-fee student loans, borrower benefits, and commitment to helping students successfully finance their education.  SAN DIEGO, Calif., August 6, 2026 — Ascent Funding, LLC (“Ascent”), a student financing company focused on helping students and families confidently plan, pay, and succeed throughout higher education, announced it has been named NerdWallet’s 2026 Best Student Loan Overall. The honor also comes alongside additional recognition from Yahoo Finance, Forbes, and U.S. News, reinforcing Ascent’s position as a standout student loan provider for today’s learners.  NerdWallet’s Best Student Loan Overall award recognizes lenders that stand out across the factors students and families weigh most when comparing private student loans, including accessibility, repayment flexibility, fees, borrower support, and overall value. Ascent was recognized for bringing those priorities together through private student loan options for borrowers with or without a co-signer, flexible repayment plans, no fees on student loans, career support, and graduation rewards.  This award complements a strong year of 2026 recognition for Ascent, including:  Forbes: Best for Flexible Payment Terms   Forbes awarded Ascent a perfect 5-star rating for flexible payment terms, recognizing the company's broad range of repayment options, commitment to serving diverse student populations, and innovative outcomes-based loan program designed to expand access to education financing for students who may not qualify through traditional credit-based underwriting.  Yahoo Finance: Best Overall Private Student Loan  Yahoo Finance named Ascent its Best Overall Private Student Loan, recognizing the company for its undergraduate and graduate student loan options, longer-than-usual grace period after graduation, and Progressive Repayment option, which allows borrowers to begin with smaller payments after graduation that increase over time while remaining within the original loan term.  U.S. News: Highest Listed Private Student Loan Lender Rating  U.S. News rated Ascent 4.8/5 in its Best Private Student Loans comparison, the highest listed rating among private student loan lenders. The rating reflects Ascent’s no-fee structure, accessibility for noncitizens, broad range of eligible schools and programs, and flexible repayment options.  “Paying for college can feel complicated, and students deserve options that make the process feel clearer and more manageable,” said Allie Danziger, Chief Marketing Officer at Ascent. “We’re honored to be recognized by respected financial publications because these awards reflect the work our team does every day to support borrowers with options designed to meet them where they are.”  Recognition That Reflects Real Student Impact  Together, these awards reflect what Ascent is building: a student loan experience with more pathways to financing, support beyond the loan, stronger borrower benefits, and repayment options designed for the realities of modern learners. According to the 2025 Impact Report, in 2025 alone, Ascent helped more than 27,000 learners finance their education across more than 1,300 colleges and universities and 80 career schools, disbursing more than $357 million to support students in traditional degree programs, career training programs, certificates, bootcamps, and workforce pathways. Ascent also broadened access through more than $32 million in Zero Percent Loans and more than $8 million in loans to DACA students, while more than 9,200 learners engaged in professional skills and financial wellness training.  That same focus on access and support shows up in the way Ascent structures its student loan options: competitive rates starting at 2.19% Annual Percentage Rate (APR)¹, no fees on college and graduate student loans, automatic payment discounts, flexible repayment options, and access to AscentUP student success resources². The result is a student financing experience built to meet more learners where they are, helping them pay for school with options that are clearer, more flexible, and better aligned with the path ahead.  About Ascent Funding  Ascent is a leading provider of innovative financial products and wrap-around student support services that has helped more than 220,000 borrowers* pay for school while enabling 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 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, visit AscentFunding.com.  Media Contact:  Ascent: [email protected]   Ascent Funding, LLC products are made available through Bank of Lake Mills or DR Bank, each Member FDIC. Subject to credit approval.  1Annual Percentage Rates (APRs) displayed above are effective as of 08/01/2026 and reflect an Automatic Payment Discount of 0.5% on credit-based college student loans, and a 1.00% discount on outcomes-based college student loans when you enroll in automatic payments. Loans subject to individual approval, restrictions and conditions apply. Loan features and information advertised are intended for college student loans and are subject to change at any time. 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. Variable rates may increase after consummation.  2 For more information, including eligibility requirements, terms, and conditions, please visit www.ascentfunding.com/ascentbenefitsterms.  * Over 220,000 borrowers took out an Ascent loan for college or career training tuition or expenses between January 2018 and March 2026. 

Getting approved for a student loan is an important step in the process, but it doesn’t always mean the money is ready to be sent right away. Before your lender can send funds to your school, your school usually needs to complete one more step: certification.  Here’s what school certification means, why it matters, how long it can take, and what you can do if your loan is still waiting for certification.  What Does “Certified by Your School” Mean?  Student loan certification is the step where your school confirms your enrollment, eligible college costs, and loan amount before funds are sent. It helps make sure you’re borrowing the right amount for the right academic period and that your loan fits within your school’s cost of attendance.  When your student loan is certified by your school, it means your financial aid office has reviewed the loan request and confirmed key details with your lender. This often includes your enrollment status, academic term, expected costs, and whether the requested loan amount fits within your remaining financial need.  Put simply, certification is your school’s way of confirming that the loan amount works for your enrollment period. Once that happens, your lender can continue with final loan steps and prepare to send the funds to your school.  Why Do Schools Certify Student Loans?  School certification helps make sure your loan amount lines up with your actual school costs and makes sure you don’t borrow more than you’re eligible for. Your lender may approve you for a certain amount, but your school determines how much can be certified based on your cost of attendance and other financial aid you have already received.  Your cost of attendance, often called COA, is your school’s estimate of what it costs to attend for a specific academic period. It can include tuition, fees, housing, food, books, supplies, transportation, and certain personal expenses. Grants, scholarships, federal student loans, work-study, and other aid may lower the amount you need to borrow through a private student loan.  That means your certified loan amount may be lower than the amount you originally requested. That’s not always a bad thing. It usually means your school adjusted the loan to match your remaining eligible education expenses and ensure you don’t over-borrow.  How the Student Loan Certification Process Works  The exact process can vary by school and lender, but student loan certification usually follows a few common steps.  You apply for a student loan. After submitting your application, the lender reviews your information and may approve you for a loan amount.  The lender sends the loan request to your school. Your school’s financial aid office reviews the request and checks it against your enrollment and financial aid records.  Your school verifies your eligibility. The school may confirm your enrollment status, academic term, graduation date, cost of attendance, and other financial aid.  Your school certifies, reduces, or declines the loan amount. If the requested amount is higher than your remaining eligible costs, your school may certify a lower amount.  The lender finalizes the loan. Once certification is complete, the lender may send final disclosures and prepare the loan for disbursement.  Funds are sent to the school. Student loan funds are typically disbursed directly to your school first. If money remains after school charges are paid, your school may issue the remaining amount to you through its refund process. Because processes can vary by school, be sure to check with your financial aid office.  What Information Does Your School Verify?  During student loan certification, your school may verify:  Your enrollment status, such as full-time, half-time, or less than half-time  The academic term or period covered by the loan  Your expected graduation date  Your school-certified cost of attendance  Other financial aid you’ve already received or accepted  Whether the requested loan amount fits within your remaining eligible costs  Whether you meet school requirements, such as satisfactory academic progress, if applicable  Why Was My Student Loan Certified for Less Than I Requested?  If your student loan was certified for less than you requested, it may be because your school determined you didn’t need the full amount to cover your eligible education expenses.  Common reasons your certified loan amount may be reduced include:  You received additional grants, scholarships, or federal aid.  Your cost of attendance was lower than expected.  You requested more than your remaining financial need.  Your enrollment status has changed.  Your school adjusted the loan to match the correct academic term.  If the certified amount doesn’t look right, contact your school’s financial aid office first. Your school is typically the best source for explaining how the final certified amount was calculated.  How Long Does School Certification Take?  School certification can take anywhere from a few days to several weeks, depending on your school’s process, the time of year, and whether any information is missing. Certification may take longer during busy periods, such as the weeks before a new semester begins.  To help avoid delays, apply early, monitor your student portal, respond quickly to emails from your lender or financial aid office, and confirm whether your school needs any additional forms or steps from you.  What Should You Do If Your Student Loan is Waiting For School Certification?  If your loan status says it’s waiting for school certification, don’t panic. This is a normal part of the student loan process. That said, you can take a few simple steps to keep things moving.  Check your school’s financial aid portal for outstanding requirements.  Confirm your enrollment status for the term covered by the loan.  Make sure your requested loan amount matches your remaining costs.  Complete any private loan self-certification form if your lender requires it.  Contact your financial aid office if the status hasn’t changed after a reasonable amount of time.  Ask your lender whether anything is missing on their end.  If your tuition deadline is approaching, let both your school and lender know. Your financial aid office may be able to explain whether a pending loan certification affects your student account, payment deadline, or class registration.  Is School Certification Different for Federal and Private Student Loans?  Both federal and private student loans involve school verification, but the process may look different depending on the type of loan.  For federal student loans, your school uses information from your financial aid application and school records to determine your eligibility and loan amount. For private student loans, the lender may approve your application first, then send the loan request to your school for certification before the loan can be finalized and disbursed.  With either loan type, the goal is the same: to confirm that the loan amount aligns with your school costs, enrollment, and available financial aid.  Final Notes  If your student loan is still waiting for certification, check your student portal, respond to any lender or school requests, and reach out to your financial aid office with questions. A little proactive follow-up can help you understand where your loan stands and what may need to happen before funds are sent.  Still learning how to pay for college? Check out Ascent’s How to Pay for College Webinar for everything you need to know about financial aid — from completing the FAFSA to finding scholarships, understanding work study, and knowing when private loans make sense.   Frequently Asked Questions About Student Loan Certification  Does certified mean my student loan is approved?  Not always. Loan approval and school certification are related, but they are not the same thing. Your lender may approve your application, but your school still needs to certify the eligible amount before funds can be disbursed.  Can my school deny certification?  Yes. A school may decline to certify a loan if you are not enrolled, if the loan period does not match your enrollment, if you are not eligible under school requirements, or if your financial aid already covers your cost of attendance.  Can I change my loan amount after certification?  It depends on your lender and school. If you need to change the certified amount, contact your financial aid office and lender as soon as possible. Your school may need to review the request before any adjustment can happen.  When are funds disbursed after certification?  After certification, your lender may still need to finalize disclosures or wait through any required cancellation period before sending funds. Once disbursed, funds generally go to your school first to cover eligible charges.  Who should I contact about school certification?  Start with your school’s financial aid office because they manage certification and can explain your cost of attendance, other aid, and certified amount. You can also contact your lender to confirm whether they have received the certification or need anything else from you. 

If you’re looking for ways to pay for college, you’ve probably seen the terms “grant” and “scholarship” used together. That’s because both can help lower your college costs without adding to your student loan balance. But, while grants and scholarships are both forms of financial aid, they’re not exactly the same.  In this blog, we’ll discuss the difference between these types of aid and how to find opportunities that may help make college more affordable.  Grant vs. Scholarship: What is the Difference?  The difference between a grant and a scholarship is how students typically qualify and where the aid comes from. Grants are often tied more directly to financial need and may come from federal, state, or school-based aid programs. Scholarships can also be need-based, but they can be awarded based on a wider range of criteria, including academics, talents, background, field of study, community involvement, financial need, or other qualifications.   In most cases, neither has to be repaid as long as you meet the program requirements.  Grant vs. Scholarship: Quick Comparison  Category Grant Scholarship Typical Basis Often financial need Financial need, merit, talent, background, interests, major, community service, or other criteria Common Funding Sources Federal government, state government, colleges, and some organizations Colleges, nonprofits, private companies, community groups, employers, and organizations Application Process Often starts with the FAFSA, though some grants may require additional steps Often requires a separate application, essay, recommendation, portfolio, or transcript Do You Repay It? Usually no, unless eligibility requirements are not met Usually no, unless program rules are not met Best For Students who demonstrate financial need Students who meet need-based, merit-based, or other specific eligibility requirements  What is a Grant?  A grant is a type of financial aid that is typically awarded based on financial need. Many grants come from the federal government, state governments, or colleges and universities. For example, federal grants may be offered to eligible undergraduate students who demonstrate financial need after completing the FAFSA.  Common examples of federal grants include the Federal Pell Grant, Federal Supplemental Educational Opportunity Grant, and TEACH Grant. Grants generally do not need to be repaid, but there are exceptions. For example, a student may have to repay part of a grant if they withdraw from school early, change enrollment status, or do not meet specific service obligations tied to the grant.  What is a Scholarship?  A scholarship is another form of financial aid that usually does not have to be repaid. Scholarships may be awarded for many reasons, including financial need, academic achievement, athletic ability, artistic talent, leadership, community service, career goals, field of study, personal background, or a combination of factors.  Scholarships can come from colleges, private companies, nonprofits, local community organizations, professional associations, and other groups. Some scholarships are quick to apply for, while others may ask for essays, transcripts, letters of recommendation, interviews, or proof that you meet certain eligibility requirements.  How Are Grants and Scholarships Similar?  Grants and scholarships are both often called “gift aid” because they can help pay for college without requiring repayment in most cases. That makes them different from student loans, which must be paid back with interest.  Because grants and scholarships may come from different sources and have different requirements, it’s a good idea to apply for both. Even smaller awards can add up and help reduce the amount you may need to borrow for tuition, fees, housing, books, supplies, and other education-related expenses.  How to Apply for Grants and Scholarships  Complete the FAFSA. The FAFSA is the starting point for many federal, state, and school-based financial aid opportunities, including grants.  Review your financial aid offer. After you’re accepted to a school, your financial aid offer may include grants, scholarships, work-study, and loan options.  Search for scholarships early and often. Look for opportunities through your school, local organizations, employers, professional groups, and trusted scholarship search tools.  Track deadlines. Grant and scholarship deadlines can vary, and some funds may be limited.  Read the renewal requirements. Some awards require students to maintain a certain GPA, enrollment status, major, or service commitment.  Is a Grant or Scholarship Better?  One isn’t automatically better than the other. The best option is the one you qualify for and can use toward your education costs. Since grants and scholarships usually do not need to be repaid, students should look for as many opportunities as possible before considering loans.  Frequently Asked Questions  Do grants and scholarships have to be paid back?  In most cases, grants and scholarships do not have to be paid back. However, students should always review the requirements. Some grants or scholarships may need to be repaid or may be lost if a student withdraws, changes enrollment status, does not meet renewal requirements, or fails to complete a required service commitment.  Do you need the FAFSA for scholarships?  Not always. Many private scholarships use their own applications and may not require the FAFSA. However, some school-based or need-based scholarships may use FAFSA information to determine eligibility, so completing it can help you access more financial aid opportunities.  Can you get both a grant and a scholarship?  Yes. Many students receive a mix of grants, scholarships, work-study, family contributions, and loans to pay for college. Just keep in mind that outside scholarships may affect your overall financial aid offer, depending on your school’s policies.  Should I apply for grants or scholarships first?  Start by completing the FAFSA so you can be considered for federal, state, and school-based aid. Then keep applying for scholarships throughout the year. The more aid you can secure, the less you may need to borrow.  Final Notes  Grants and scholarships can both help make college more affordable, but they usually differ in how they’re awarded and where they come from. Grants are often tied more directly to financial need, while scholarships may be based on financial need, merit, talents, background, interests, or other eligibility criteria. Applying for both can help you maximize free aid before turning to student loans. 

A federal court ruling on June 25, 2026 blocked part of a new Department of Education rule just days before it was set to take effect.  For students planning to start or continue graduate school, the decision creates short-term uncertainty around how much you may be able to borrow through federal loans.  Key Takeaways  A federal judge temporarily paused part of a new Department of Education rule that would change how certain graduate programs are classified for federal student loan borrowing. The rule was scheduled to take effect on July 1.  Under the new regulations, most graduate students would be limited to borrowing $20,500 per year in federal loans, while students in qualifying professional degree programs could borrow up to $50,000 annually.  The groups challenging the policy, including the American Association of Nurse Practitioners, argued that the rule defined “professional degree” too narrowly. Their concern: some fields, including nursing and education, could be left out of the higher borrowing category, creating real funding challenges for students in those programs.  What Happened  A federal judge temporarily paused part of a new Department of Education rule that would change how graduate programs are classified for federal student loan borrowing. The rule was scheduled to take effect on July 1.  Under the new rules, most graduate students would face a $20,500 annual federal borrowing cap, while students in qualifying professional degree programs could borrow up to $50,000 per year.  The court order pauses the Department’s updated definition of “professional degree,” which had identified a limited set of degree types that could qualify for the higher borrowing limit.  That means the definition is on hold for now, but the broader federal loan limits and Grad PLUS phaseout are still moving forward.  What Was Changing  The rule is part of a broader federal student loan overhaul passed in 2025. Two major changes are still in place:  Grad PLUS loans are being phased out for new borrowers.  New federal borrowing caps are being introduced based on program type.  Under the new system:  Most graduate programs are limited to $20,500 per year, up to $100,000 total.  Professional programs, such as law or medicine, may qualify for up to $50,000 per year, up to $200,000 total.  Why the Rule Was Challenged  The court case was not about whether loan caps could exist. It was about how programs were categorized.  The Department of Education created a narrower definition of “professional degree,” which left some healthcare, education, and licensed professional programs outside the higher borrowing category.  Groups representing those programs argued that the Department went beyond what Congress intended when it rewrote the criteria.  What Has Not Changed  The ruling does not eliminate the new federal loan caps.  The broader structure created by Congress, including lower overall borrowing limits and the Grad PLUS phaseout, remains in place. The court’s decision only affects how certain programs may be classified under those limits.  What This Means for Students  In the short term, the ruling may create more flexibility for some graduate programs that would have faced stricter borrowing limits.  But the bigger picture has not changed: many graduate students may have access to less federal funding than in previous years.  That means students may need to plan for:  Funding gaps between federal aid and total school-certified costs.  More reliance on scholarships, institutional aid, savings, or payment plans.  Private student loans as one option to help cover remaining costs.  Learn More with Ascent  Ascent is here to help students, families, and schools understand what is changing, ask the right questions, and plan ahead with more confidence.  If you are trying to estimate a potential funding gap, Ascent’s Grad School Funding Calculator can help you compare your school-certified costs with the aid you may already have available.  To better understand what the Grad PLUS phaseout could mean for students and schools, check out our blog, What Does the End of Grad PLUS Loans Mean for Higher Education? 

Starting an MBA program is exciting. It’s a big step, and it usually comes with big goals. It also comes with a few real‑world questions about money and how you’ll pay for the graduate program.  Most people don’t pay for an MBA with just one source of funding. Beyond tuition, housing, fees, books, and everyday expenses all add up quickly and it’s important to budget for this investment.   That’s why many people start with federal student loans and scholarships, then turn to private student loans for graduate school to cover what’s left. When used thoughtfully, private loans can be a helpful part of the plan.  How Much Does an MBA Cost?  MBA programs can look very different depending on the school, location, and format.  On average, a two‑year MBA program costs around $60,000, but some programs cost much more. At top schools, the total cost can rise well over $200,000 once tuition, fees, and living expenses are included.   According to GMAC’s research, tuition at leading U.S. business schools, especially the M7 schools,  an elite, self-selected group of seven top-tier US business schools, remains among the highest in the world. MIT Sloan’s MBA costs $173,060, Kellogg’s costs $172,740, Stanford GSB’s costs $171,510, and Harvard Business School’s costs $157,400, making Harvard the lowest-cost M7 program by tuition.  Along with tuition, costs often include:  Housing and utilities  Health insurance  Books and technology  Start With Federal Student Loans and Scholarships  Before looking at private loans, it’s always smart to start with federal and school based aid.  Filling out the Free Application for Federal Student Aid (FAFSA) is the first step. This form helps determine eligibility for federal student loans and may also unlock school- based scholarships.  You can also check out Ascent’s Grad School Goals Scholarship Giveaway as another way to help with MBA costs. Even better, there’s no essay required!  Why Federal Loans May Not Cover Everything  Federal student loans can help cover a large portion of your MBA, but they don’t always cover the full cost, especially once you factor in living expenses.  That’s becoming even more important as Grad PLUS borrowing changes take effect for new borrowers starting July 1, 2026. For some students, that may mean less federal funding is available than in the past.  After federal loans, scholarships, and savings are applied, it’s common to still have a gap. That’s when many students start exploring private student loans for business school to help cover remaining, school-certified costs.  If you want a clearer picture of what that gap might look like, Ascent’s Grad School Funding Calculator can help you estimate your total costs, expected federal aid, and what you may still need to cover.  When a Private Student Loan Makes Sense for an MBA  A private student loan may make sense if:  You’ve already used available federal student loans  Scholarships and savings don’t cover the full cost  The remaining expenses are tied to your program  You want repayment options that fit your timeline after graduation  In these situations, private loans can offer flexibility and help keep your focus where it belongs.  When a Private MBA Loan May Not Be the Right Fit  Private student loans aren’t the answer for every situation.  They may not make sense if:  Federal loan options are still available  You’re unsure how repayment would fit into your future budget  You’re borrowing without a clear plan for how the money will be used  The right loan should feel supportive, not stressful.  What to Look For in a Private MBA Student Loan  When comparing private student loans, interest rate matters, but it’s not the only thing to consider.  Flexible Repayment Options  Some loans let you wait until after graduation to start payments or offer options while you’re in school. Ascent explains these clearly on its repayment options page.  Clear, Simple Terms  Loan details should be easy to understand upfront. Reviewing how Ascent private student loans work can help set expectations early.  Cosigner Flexibility  Applying with a cosigner can help you get approved and could help you qualify for a lower interest rate, depending on your credit profile.  If you do apply with one, it’s worth choosing a lender that gives you the option to release  them later. Ascent offers cosigner release options after consistent, on-time payments.  Applying with a cosigner can also significantly improve your chances of getting approved. In fact, Ascent saw 5x higher approval rates in 2025 for applications with a cosigner compared to those without.*  Borrowing That Matches Real Costs  Responsible lenders base loan amounts on a school’s certified cost of attendance to help prevent overborrowing.  Comparing your options? Here’s a quick side-by-side look at how Ascent compares to other lenders:  Comparison based on information obtained on lender websites as of May 2026  Final Thoughts  Paying for an MBA usually means pulling together a few different pieces to cover the full cost, and that’s okay.. Federal loans and scholarships often come first, and private student loans can play a helpful role when those options don’t cover the full cost.  Ascent offers private student loans for graduate school designed to work alongside federal aid.  With Ascent, borrowers can:  Cover school‑approved education costs  Apply with or without a cosigner, depending on eligibility  Choose from multiple repayment plans  No  application and origination fees  With the right plan and the right support, financing your MBA can feel manageable and empowering, not overwhelming.  FAQ: Private Student Loans for MBA Programs  Can a Private Student Loan Cover My MBA Living Expenses?  In many cases, yes, as long as those expenses are included in your school’s cost of attendance and your school certifies the loan amount.  Should I Take Out Federal Loans or Private Loans First for My MBA?  Many MBA students explore federal loans first, then consider private loans for any remaining gap. The best choice depends on your eligibility, total cost, and repayment goals.  How Much Can I Borrow for My MBA With a Private Student Loan?  It is typically limited to your school-certified cost of attendance minus other financial aid you receive, and it also depends on lender requirements.  * 5x higher acceptance rates were observed in 2025 across all college products when a loan application is cosigned vs without a cosigner. 

Ascent, a leading provider of innovative financial products and student support services that enable more students to access education and achieve academic and economic success, has been named one of the 2026 Best Places to Work in Fintech, an awards program created in 2017 by Arizent and Best Companies Group.  This annual survey and awards program recognizes the top employers in the financial technology industry. Honorees operate across a wide range of financial services sectors, including banking, mortgages, insurance, payments and financial advisory. To be eligible, companies must provide technology products or services that support financial services delivery, have been in business for at least one year, and employ at least 15 people in the U.S.  "Each year, the Best Places to Work in Financial Technology offers a glimpse into the practices of fintechs whose employees rate their workplaces highly," said Penny Crosman, executive editor of technology at American Banker. "This year, employees appear to value remote work and schedule flexibility above all else, at a time when many traditional financial firms have enforced strict return-to-work policies."  Companies from across the United States entered a two-part survey process to determine Arizent’s Best Places to Work in Fintech. The first part consisted of evaluating each nominated company's workplace policies, practices, philosophy, systems and demographics. The second part consisted of an employee survey to measure the employee experience. The combined scores determined the top companies and the final ranking. Best Companies Group managed the overall registration and survey process, analyzed the data and determined the final ranking.  “We’re proud to have built a workplace where employees feel trusted, supported, and genuinely connected to the work they do,” said Emily Skoubo, Director of Human Resources at Ascent. “This recognition reflects the collaborative culture our team has created together and our continued focus on providing an environment where people can grow, contribute, and feel valued.”  For more information on Arizent’s Best Places to Work in Fintech program, including full eligibility criteria, visit www.BestPlacestoWorkFinTech.com or contact Penny Crosman at [email protected].  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.