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. 

Internships offer students the chance to gain real-world experiences and grow their professional development skills. Internships may have the potential to lead to full-time roles, which can be a smooth transition for students as they enter the workforce.   At Ascent, we are proud to onboard, train, and support interns as they take what they learn in the classroom and apply it to the workplace. We talked with a few team members who first joined the team as interns to learn more about their journey from internship to full-time role. Continue reading for more on the projects they worked on and the advice they would give to other students on the job or internship hunt.  How did you two hear about Ascent as an intern opportunity?  Jen: I was a newly transferred junior attending SDSU. The internships at Ascent were recommended to me by another SDSU student who was an Ascent intern at the time.   Abigail: I became aware of Ascent’s internship opportunity via Handshake, an intern and job-hunting platform. I was in the application process for several different marketing internships, but I resonated with Ascent’s mission, and it struck a chord with me as someone who also felt lost navigating financial aid and loan borrowing.   What role were you hired to do?  Jen: My internship role here at Ascent consisted of a variety of experiences. Originally, I was a marketing intern working under our Marketing Operations Specialist at the time. I spent time supporting and coordinating various marketing campaigns including email, social media, content creation, and direct consumer marketing strategies.  Abigail: My role as a marketing intern focused on content creation, social media, email campaigns, and blog posts. Today, my role as a marketing coordinator will work a lot more with engagement. I will be focusing on our email strategy and customer lifecycle. This includes ways to better connect with students and learn about the challenges they face. How long was your internship at Ascent?  Jen: My internship lasted a little over a year, from March 2021 to May 2022. This would have been over my junior and senior year of college.   Abigail: I was able to remain an intern at Ascent for over two years! Around the one-year mark, I was promoted to lead marketing intern and received a raise.   Describe your team and the people you worked closely with on different projects.  Jen: My teams were awesome! I met a ton of people because I was able to branch out and experience tons of different marketing initiatives. I was working on real projects that had a positive impact on the company, and I was able to test out different areas I was interested in. My age and student experience were celebrated as Ascent and my teams were eager to listen to my college and financial experiences. Everyone around me was excited to see me grow and happy to teach me new skills.   Abigail: Since starting at Ascent, I have worked with nearly every team and department in some way or another. Currently, I work with our engagement team, and I love that we spend our time trying to find new ways to personally connect with our students and borrowers. My direct manager is Joanna, and she walks with me every step of the way. She has been a mentor and advocate for me since my very first day. What was your overall impression of company culture at Ascent?   Jen: I was originally nervous about working for a loan company because I had little knowledge of the industry, but the previous intern who recommended the position spoke incredibly highly of Ascent. Once I started the interview process, everything fell into place. It was a perfect match and exactly what I was looking for in an internship.   Abigail: I was concerned being the youngest person at the company would hinder my experience, but it became clear interns were seen as a valuable resource. It’s difficult being a full-time student during your internship experience, but Ascent was understanding and invested in my success as both an intern and student.  What are you looking forward to the most in a full-time role at Ascent?   Jen: I’m excited to continue my work with an incredible supervisor and experience a new position at Ascent that I was able to make my own.   Abigail: With this new role I will be getting more involved in different projects and can fully focus on my work. Previously, I was trying to navigate being a student and employee. While working as an intern I would sometimes miss out on big picture projects or meetings due to classes or studying.   Do you have any tips for other students searching for their dream internship that could turn into a full-time role?  Jen: Take the initiative! There are tons of advantages to being a student. You’re able to find organizations that match your interests and ambitions while networking with like-minded individuals and alumni. During your internship, your chances of obtaining a full-time role will be impacted by building relationships with coworkers. They will be your supporters and advocates if you’re moved into a full-time role.   Abigail: Internship and job-hunting can be exhausting, but the next application could be the one that propels you to your dream internship. If you’re an intern looking to score a full-time role, don’t be afraid to ask questions and explore different opportunities. While it’s important to show up and meet expectations, you also need to take time to decide if you like your role. I made sure to ask for more opportunities from my manager until I found my current role that fits my strengths and individuality.  

Take the stress out of financial planning for college students with these five key steps.

Private student loans can be a daunting task, here's how students can research and apply for a private student loan.

Confused about private student loans? Learn how to qualify for private student loans and other eligibility requirements in this blog.

Earth Day 2023 will land on April 22nd this year, right around the corner!

There are several ways to get student loans, with a cosigner or without. Read how to get a student loan here to learn more.

Congratulations to Harsimran Sandhu, our $10,000 Pursue Your Dream Contest winner! We asked students to share their ambitions in a 30-90 second video and explain how they plan to use the money to reach their dreams.

As scary as the word "taxes" may sound, it’s never too early for you to learn to do your own taxes, and you might even get some extra dollars in your pocket.

College has been some of the best few years of my life and I've learned a lot along the way working toward my own success.

If you could go back in time to be an incoming freshman again and give yourself one piece of advice, what would you tell yourself and why?