Private Student Loan Advice & College Financing Resources

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.  

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. 

Student loans are a hot topic these days, and for good reason. There have been massive shake ups in education under the Trump administration, from the proposed dissolution of the U.S. Department of Education to sweeping changes to how student loans could be administered and managed in the future. The potential impact of these proposed changes is not limited to undergrads and future college students and their families. With the cost of a master's degree averaging between $44,000 to $71,000, many graduate students also rely on federal student aid, such as Grad PLUS loans, to fund their continuing education. If you’re a grad student, you're probably wondering how these changes might impact your future and your ability to pay for graduate school. Let's walk through the potential changes and explore some alternative financial aid options, should Grad PLUS loans become unavailable. Key Takeaways Grad PLUS loans are a type of federal loan offered by the U.S. Department of Education that can cover up to the full cost of attending graduate school. Republican lawmakers have proposed changes to the federal student loan programs that administer graduate loans, including reduced caps on unsubsidized loans and eliminating Grad PLUS loans altogether. If these proposed changes become law, current graduate students will likely be grandfathered in, but future graduate students may need to seek alternative sources of financial aid. Scholarships, fellowships, need-based grants, graduate assistantships, work-study programs, federal unsubsidized loans, and private student loans are alternative funding options graduate students can consider.   What Are Grad PLUS Loans? Grad PLUS loans are a type of Direct PLUS loan specifically for eligible graduate and professional students. These credit-based federal loans are offered by the U.S. Department of Education and allow students to borrow up to the full cost of attendance (graduate tuition, fees, and living expenses) minus any other financial aid received. They come with a fixed interest rate and borrower protections, and they’re a popular option because federal unsubsidized loans often don’t cover the full cost of advanced degrees. According to recent federal data, Grad PLUS loans account for a significant portion of graduate student debt. As many as 1.8 million borrowers hold these loans, totaling up to $117.2 billion. This has caught the attention of some policymakers, who are starting to take a closer look at these loans. The high borrowing limits and growing debt load have sparked increased scrutiny of Grad PLUS loans, especially as discussions around the student loan crisis and reforms have intensified. Policymakers are raising the possibility of reform—or even elimination—as ways to reduce the overall burden of graduate-level debt. Will the Grad PLUS Loan Program be Cut? Discussions around eliminating the Grad PLUS loan program have gained traction on Capitol Hill, especially among Republican lawmakers who want to rein in federal spending on graduate education. These lawmakers argue that unlimited borrowing under the program inflates the cost of graduate degrees and places an undue debt burden on students. They’ve introduced bills such as the College Cost Reduction Act of 2024, which proposed eliminating Direct PLUS loans. While it didn’t pass, similar themes in legislation have been introduced in 2025. The Graduate Opportunity and Affordable Loans Act, introduced by Alabama Senator Tommy Tuberville in January 2025, proposes to eliminate the ability of graduate and professional students to receive Direct PLUS loans and sets the aggregate limit on unsubsidized loans to $65,000 for a graduate student. While the bill was referred to the Committee on Health, Education, Labor, and Pensions, it has yet to proceed. Even though neither bill targeting Grad PLUS loans has passed, they each signal lawmakers’ appetite for reforming graduate lending. That means potential changes to how students finance advanced degrees.  What Grad PLUS Loan News Means for Borrowers As policymakers debate the future of federal student aid, Grad PLUS loans are undeniably on the chopping block. For current and prospective graduate students, that adds another layer of uncertainty to an already stressful financial climate. Rising tuition costs and fewer affordable borrowing options could leave many students scrambling to cover expenses.  Finding student loans for graduate school, including from private lenders, will become more necessary for students who’ve exhausted free financial aid options.  Current Grad PLUS Borrowers Students already enrolled or recent graduates with active Grad PLUS loans probably won’t see major changes, at least in the short term. If Congress eliminates the program, existing borrowers will likely be “grandfathered” in, meaning they can keep their current loans and repayment terms as they are. The uncertainty around the Grad PLUS loan 2024-2025 cycle could complicate financial planning for those midway through multi-year programs. If you’re in either of these groups, pay close attention to Grad PLUS loan news developments and start researching backup funding strategies in case future borrowing under Grad PLUS is capped or phased out. Future Grad PLUS Borrowers Future graduate students might be at bigger risk of losing out on Grad PLUS funding. If this federal loan program is eliminated, students may need to rely more heavily on private loans to finance their education. While private loans are just as effective at funding advanced degrees and may offer additional benefits like access to career readiness tools, they may also come with tighter credit requirements, variable interest rates, and other considerations—so it is important to compare your options. This shift from federal to private loans could disproportionately impact students with limited or poor credit histories. As a result, some may delay graduate studies, choose lower-cost institutions, or seek employer-sponsored education benefits. Others may turn to part-time enrollment or work full-time when studying, lengthening the time needed to complete a degree. If you’re thinking about attending grad school, now is the time to start preparing: Compare graduate program costs and consider how you might pay for your desired program if Grad PLUS loans go away. Research and apply for graduate scholarships, fellowships, and other grants. To do so, you’ll need to complete the Free Application for Federal Student Aid (FAFSA) every year. Apply for graduate assistantships or federal work-study programs. Availability of these programs may impact your school choice.  Look into employer education benefits to help cover the cost of graduate school.  Take steps to build a strong credit profile, research private loan terms, and prepare to borrow if you still need to cover costs. Ascent Is Here to Help We know that paying for grad school is an important concern for all students, and that Grad PLUS loans have been a vital resource. Even if they go away, however, there are still options. Try to be selective about your desired program, pursue all your options for free financial aid, and take your time comparing lenders for private student loans.  Ascent can help you find the right loan terms and interest rate to support your graduate education, but we’re here for you beyond borrowing. Our resources for students and families offer guidance about paying for school, better budgeting, career-readiness, and more. Amid ongoing student loan changes, Ascent remains committed to empowering student success and financial wellness.  FAQs What alternative loan options are available if the Grad PLUS ends? If Grad PLUS loans are phased out, future graduate students should first explore financial aid that doesn’t need to be repaid such as scholarships, fellowships, grants, graduate assistantships, work-study programs, and employer tuition reimbursement programs. If there are any gaps in funding, graduate students should consider federal unsubsidized loans and private student loans. Can private student loans cover the full cost of grad school? In many cases, private student loans can cover the full cost of attending graduate school, from tuition and fees to living expenses. Private loans have unique eligibility and loan limits determined by the lender, and they usually depend on your credit history or income. That makes planning and comparing loans from different providers a necessity. Will Grad PLUS loans be forgiven? Grad PLUS loans may be eligible for forgiveness under existing federal programs like the Public Service Loan Forgiveness (PSLF) or Income-Driven Repayment (IDR) plan forgiveness, provided you meet the necessary qualifications. However, there’s no separate forgiveness initiative specifically for Grad PLUS loans at this time.

Student loan borrowers have a lot on their minds–and for good reason. Executive orders threatening the possible elimination of the Department of Education and a variety of other student loan changes introduce new disruptions to an already stressful situation. The 8th U.S. Circuit Court of Appeals’ recent decision to block the Biden administration’s SAVE Plan introduced even more uncertainty. Many borrowers on the Saving on Valuable Education (SAVE) Plan now find themselves in limbo, not paying on their loans or accruing interest, but not progressing toward loan forgiveness. Students, borrowers, and their families need to understand how recent decisions and actions by courts and Congress can impact their loans and repayment plans. Key Takeaways The 8th U.S. Circuit Court of Appeals upheld an injunction blocking the Biden administration’s Saving on Valuable Education (SAVE) Plan in February 2025, halting its implementation.  The Biden administration created the SAVE Plan in 2023 as an income-driven repayment plan to streamline loan payments and forgiveness for many borrowers. As a result of the court’s decision, SAVE Plan enrollees currently have their loans in forbearance, with no payments due or interest accrued. On March 26, 2025, the U.S. Department of Education reopened applications for Income-Based Repayment (IBR), PAYE, and ICR plans. Ascent provides tools to help students understand the benefits and drawbacks of student loans, including how the cost of education can impact their chosen degree’s return on investment. Understanding the SAVE Plan and Court Actions The SAVE Plan is an income-driven repayment (IDR) program introduced by the Biden administration in 2023. It replaced the Obama-era program, which was formerly known as Revised Pay As You Earn (REPAYE). The goal of this plan was to lower monthly student loan payments and offer borrowers a faster path to forgiveness that considered their income and family size more heavily than previous plans. However, in February 2025, a federal court injunction prevented the U.S. Department of Education from implementing the SAVE Plan and parts of other IDR plans. As a result, IDR and online consolidation applications became temporarily unavailable. The legal challenges to the SAVE Plan have been ongoing, with the following key dates:  August 2023: The SAVE Plan officially launched, replacing the REPAYE Plan. Borrowers could enroll to access lower monthly payments and interest protections. October 2023: Major elements of the SAVE Plan took effect, including an increased income exemption and a stoppage of unpaid interest growth for qualified borrowers. March 2024: Multiple Republican-led states challenged the SAVE Plan, arguing overreach of executive authority.  July 2024: A preliminary injunction via a federal court blocked full implementation in July 2024. August 2024: The Supreme Court declined to fast-track an appeal, meaning the SAVE Plan remained blocked while litigation continued. February 2025: The 8th U.S. Circuit Court of Appeals upheld the injunction, citing concerns over the Education Department’s authority and potential financial impacts on states. The online IDR application is available again (as of March 26, 2025). Borrowers can still apply for Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Income-Contingent Repayment (ICR) plans. Loan consolidation is also available. What Happens to Borrowers Enrolled in the SAVE Plan? Borrowers on the SAVE Plan are directly impacted by these legal battles. Currently, SAVE Plan participants are placed into administrative forbearance; they’re not legally required to make monthly payments, and the interest on their loans won’t accrue. For those on a tight budget, that can be helpful. That said, forbearance isn’t forgiveness, and months spent in forbearance don’t count toward loan forgiveness programs like the Public Service Loan Forgiveness (PSLF) or traditional income-driven repayment forgiveness. The U.S. Department of Education expects this pause to continue until at least December 2025, unless court rulings change the situation. If you’re a borrower in forbearance, stay up to date on the status of your loans. Ensure your loan servicer has your up-to-date contact information, and check in with studentaid.gov for the latest student loan news. How Are Loan Forgiveness Options Affected? The SAVE Plan block greatly impacts loan forgiveness paths, including PSLF. Because enrolled borrowers are now in administrative forbearance, the months they spend without making payments don’t count toward the 120 qualifying payments for PSLF or the 20 to 25 years necessary for IDR forgiveness. That pause could delay borrowers’ progress unless future policy changes address the gap. SAVE Plan borrowers may want to explore alternative IDR plans like PAYE or IBR to stay on track toward PSLF or IDR forgiveness. Alternatively, if you’ve already completed 120 months of qualifying employment, the PSLF Buyback program lets you “buy back” certain months spent in forbearance, helping you stay on track toward loan forgiveness. Knowing what other repayment options are available can make a world of difference when managing student debt. What Will Happen to Other Income-Driven Repayment Plans? Given the news about the SAVE Plan, many borrowers might have concerns about other income-driven repayment options. As previously noted, the U.S. Department of Education has reopened applications for certain IDR plans, including IBR, PAYE, and ICR, as of March 26, 2025. Borrowers can now apply for or recertify these student loan repayment plans through the online application. However, the broader political climate around student loan reform suggests changes might be on the horizon. Future administrations or legislative actions could aim to retool or modernize IDR plans, especially if the SAVE Plan remains permanently blocked. Borrowers can prepare for any future changes by making proactive decisions: Stay enrolled in current IDR plans and continue making qualifying payments. Monitor official updates from the Department of Education for any policy changes. Explore alternatives if you’re nearing forgiveness milestones or need to adjust your payment strategy. Consult your loan servicer when uncertain about your plan’s status or your next steps. The biggest takeaway for any student loan borrower is to keep up with student loan news over the coming months, especially as the state of repayment and forgiveness programs continues to change. Considerations for Future Borrowers While following student loan news is important for current borrowers, it’s just as critical for future borrowers, students, and parents to stay up to date. Future college students should think carefully about how they will finance their education. The uncertainty of programs like the SAVE Plan and potential reforms to other IDR plans highlights why incoming students should prioritize grants, scholarships, and other financial aid whenever possible and consider the return on investment of their chosen degree. Completing the Free Application for Federal Student Aid (FAFSA) is a key step to financing education, even in the face of changes to federal loan programs. The FAFSA gauges loan eligibility and is often the only way to qualify for need-based Pell Grants, work-study jobs, and campus aid. Complete the FAFSA as early as possible to avoid missing out on potential aid opportunities. And before you take out student loans, use tools like our College Degree ROI Calculator to help estimate the average annual cost of a degree against the first-year salaries in your chosen field.  Ascent Is Here to Help Understanding student loan repayment can help you avoid financial headaches, but it’s easy to feel overwhelmed by ongoing changes and shifting policy updates. Ascent is here to help. In addition to our variety of private student loans, we have a library of student success resources to support students and their families in college—and beyond. Plus, when you’re ready to jump-start your dream career, our AscentUP program can provide professional development training and coaching to help you build confidence and develop the skills you need for your next chapter. Check out our blog for more resources and information surrounding education, student loans, and financial wellness today. FAQs What happens now that the SAVE plan is blocked? Borrowers currently enrolled in the SAVE Plan have been placed in administrative forbearance. During this time, monthly payments are not required, and interest does not accrue. Borrowers should keep in mind that months spent in forbearance don’t count toward forgiveness programs, which might prolong the process of paying off your loans or having them forgiven. Why was the SAVE plan blocked? The SAVE Plan faced many legal challenges from Republican-led states, which argued that the Department of Education exceeded its authority in creating the program without congressional approval. On February 18, 2025, the 8th U.S. Circuit Court of Appeals upheld a preliminary injunction against the SAVE Plan, agreeing with the states that the plan's provisions—particularly those related to loan forgiveness—went beyond the Department of Education's statutory authority. Is there any chance the SAVE plan will be reinstated? Given the current political climate and other actions taken by the Trump administration, it’s unlikely that the SAVE Plan will be reinstated anytime soon. Can I still apply for income-driven repayment (IDR) plans like PAYE or IBR? Yes, you can still apply for certain income-driven repayment (IDR) plans like Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Income-Contingent Repayment (ICR). Following a temporary suspension due to a court injunction in February 2025, the U.S. Department of Education reopened applications for these plans on March 26, 2025.  Can private loans offer similar terms to what SAVE would’ve provided? Most private student loans do not offer the same payment structures or forgiveness options as federal programs like SAVE. That said, some private lenders offer forbearance or income-based options. Carefully compare terms before you refinance or choose a private student loan provider.

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. 

For the fourth year, San Diego-based fintech recognized for innovative culture   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 2025 Best Places to Work in Fintech, an awards program created in 2017 by Arizent and Best Companies Group.   The 2025 list, which includes 29 distinguished companies, was published by Arizent brands American Banker, National Mortgage News, Financial Planning and Digital Insurance on May 12, 2025. "The Best Places to Work in Fintech ranking is a glimpse into the company practices and policies that are popular with employees in the financial sector," said Penny Crosman, executive editor, technology at American Banker. "This year's honorees can serve as an inspiration or nudge to companies looking to attract and retain top talent."   Ascent Funding stood out among competitors for its employee-centric practices, commitment to innovation in student lending, and positive workplace environment. "This award validates our dedication to building not just an innovative fintech company, but a workplace where employees can thrive while making education more accessible to students," said Ken Ruggiero, CEO at Ascent. "Our team's passion for helping students achieve their educational dreams not only drives our company culture, but also our success."  Ascent's selection was based on a rigorous two-part evaluation process, including an assessment of workplace policies, practices, philosophy, systems, and demographics, along with a comprehensive employee experience survey. The company's focus on empowering both its employees and the students it serves contributed to its outstanding performance in both evaluation areas.  “At Ascent, we’ve built a culture where employees are empowered to grow their careers, bring their authentic selves to work, and feel genuinely supported—whether through our hybrid flexibility, professional development programs, or inclusive benefits that evolve with our team’s needs,” said Emily Skoubo, Director of Human Resources at Ascent.  For more information about Ascent Funding's innovative approach to private student lending and career opportunities, visit https://www.ascentfunding.com/. For details about Arizent's Best Places to Work in Fintech program, 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. 

North Carolina’s nursing shortage is projected to reach nearly 12,500 by 2033. To address this shortage, The Forward Fund (TFF) and the North Carolina Area Health Education Centers (NC AHEC) have joined forces to provide zero-interest loans to individuals enrolling in the NC AHEC RN Refresher program offered in collaboration with the University of North Carolina at Chapel Hill School of Nursing. “This partnership is an excellent opportunity to provide RN Refresher students with funding support to eliminate cost as a barrier -to enrollment in the program and subsequently return to nursing workforce. It is a win-win for the RN Refresher and the nursing workforce in North Carolina,” said Dr. Felicia Mosley-Williams, Statewide AHEC Nursing Liaison and Director of the NC AHEC RN Refresher Program. The RN Refresher program provides accelerated, asynchronous education and training for registered nurses with a lapsed license or an active RN looking to update their knowledge.  “The RN Refresher program is committed to helping more nurses return to the field, opening a variety of career pathways, and investing in nursing’s commitment to improve the state of healthcare in North Carolina,” said Dr. Jill Forcina, Director of Education and Nursing at NC AHEC. The program consists of 24 self-paced, online modules taught by faculty at the University of North Carolina at Chapel Hill School of Nursing, and a 140-hour clinical practicum managed by local AHECs. Costs for the program are relatively low, however, financial barriers exist preventing RNs from taking advantage of the program. That’s where The Forward Fund’s partnership fills the gap.  The Forward Fund will offer zero-interest cost of living loans to individuals enrolling in the RN Refresher program. Loans will vary from $2,000 to $5,000 to cover the cost of living like housing, childcare, and transportation, so RNs can focus on their training and upskilling.  “We are proud to partner with NCAHEC and regional area education centers to provide zero-interest financing to support RNs to reenter the workforce,” said Meaghan Dennison, CEO and founder of TFF. “We are thrilled to expand our loan offering to the healthcare space with this partnership.” Loan terms include no minimum credit score, a 3-month grace period upon program completion and a minimum income threshold of $30,000, which accounts for part-time employment. Nurses that do not meet the minimum salary threshold may request income-based deferment, during which period they would have no payments due and remain in good standing with their loan. TFF loans are powered by Ascent Funding as the loan origination and master servicing partner. Once approved, loans are disbursed directly to the student. “We’re thrilled to partner with The Forward Fund and NCAHEC to address the coming nursing shortage by lowering the financial barriers for students,” said Michele Shank, VP, Impact & Senior Counsel from Ascent Funding. “Programs like ours help North Carolina nurses return to work, which only means improved healthcare for all." Interested students learn more about the RN Refresher program here and identify the local contact to be introduced to this financing opportunity.  About the Forward Fund The Forward Fund, headquartered in Wilmington, North Carolina, is the state’s only pay-it-forward fund. Dedicated to empowering students, The Forward Fund provides tailored financial support to help students enroll in educational programs, graduate, and secure high-wage employment. This innovative model invests in individual success and ensures local employers gain access to a skilled workforce essential to North Carolina's growth. Website: https://theforward.fund/ LinkedIn: https://www.linkedin.com/company/theforwardfund Contact TFF: https://theforward.fund/contact/ 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, visit www.ascentfunding.com.

Planning for college is an exciting milestone for both students and their families—from choosing the right school, to deciding on a major. But while this journey is filled with anticipation, it's also common for parents to feel overwhelmed by one major concern: the cost. So, how can families afford college without breaking the bank? There are plenty of options available to help parents and students approach paying for college in a way that is financially smart–and sustainable. Let’s explore how factors like college selection, financial aid eligibility, and personal savings strategies can play a role in reducing your student’s out-of-pocket educational expenses.  Key Takeaways Saving money early through savings accounts, CDs, or 529 Savings Plans can help pay for your child’s education. Support your child in completing the Free Application for Federal Student Aid (FAFSA) to determine if they’re eligible for need-based scholarships and grants to help pay for college.  Picking an affordable school can help reduce college costs, but you’ll need to balance your child’s educational priorities with your budget. Federal and private student loans can shore up any gaps in college funding, but it’s important to understand rates, terms, and repayment options. Each one has different benefits. Start Saving Early Saving for college early is one of the biggest ways to help pay for your kids’ college education. Starting the right kind of savings or investment account for your kids can make a big difference when considering how to pay for college. Compound interest is a powerful tool, and the more money you can invest earlier in your child’s life, the more those funds will grow over time. High-yield savings accounts and certificates of deposit (CDs) are excellent long- and short-term tools for growing your money, but they’re not the only ones. One of the most popular options for college savings, the 529 Savings Plan, makes investing in your children’s college education simple. How to Open a 529 Savings Plan A 529 Savings Plan is a tax-advantaged investment account designed to help families save for future education expenses. Each state sponsors a plan, and the money you contribute grows tax-deferred. Withdrawals from a 529 plan are tax-free if used for qualified expenses, including: Tuition Fees Books Approved room and board costs You can start a 529 Savings Plan by following this process: Compare plans: While many people choose their home state’s plan, you’re not required to stick with it. Shop around for low fees and strong investment options. Open an account: Visit the plan’s official website or use your financial advisor to open the account online. Name a beneficiary: This is typically your child, but you can change it later if needed. Set up contributions: You can make one-time deposits or schedule automatic transfers to grow the savings steadily over time. Sharing account information with family members simplifies the process of letting them contribute, too. Remember, even small contributions can add up. The earlier you begin saving, the more time your money has to grow. Don’t Skip the FAFSA While a 529 savings plan can set the stage for parents paying for college, it’s important to tap into every available financial aid source, starting with the FAFSA. The FAFSA isn’t just a resource for low-income families. It’s the gateway to federal grants, work-study programs, student loans, and many state and institutional scholarships. Submitting it early can increase your student’s chances of receiving the maximum financial aid and avoid overpaying for college. The application typically opens in October each year, so mark your calendars. While the FAFSA isn’t a complicated form, it does require a lot of information. There are tons of resources available on studentaid.gov to guide you and your child through the application process. In addition, many schools offer support through their financial aid offices or virtual workshops. Pursue Scholarships and Grants First Speaking of financial aid, scholarships are a great resource to help parents pay for college. Free money in the form of scholarships and grants doesn’t have to be paid back and can significantly reduce your student’s college expenses each year. Help your student seek out and apply for as many scholarships and grants as possible.  To improve their chances of qualifying for scholarships, encourage your student to build a robust resume with strong academic performance or extracurricular activities. Colleges often award money to high achievers to attract top talent, but they aren’t the only providers of scholarships. Various civic and fraternal organizations, professional associations, and affinity groups award money, too. Use a scholarship search tool to see what’s out there for your student. Grants and scholarships are one of many different ways to pay for college. Leveraging them to lower your overall costs can help reduce reliance on other forms of aid that do need to be repaid. Learn About Student Loans If free financial aid and savings still leave a gap, parents paying for college often turn to student loans to help cover the remaining costs. Not all loans are created equal, though. Understanding your options is important to help avoid long-term financial strain. Some of the most common student loan types include: Federal Direct Subsidized and Unsubsidized Loans: Taken out by the student, these loans tend to offer the lowest interest rates and flexible repayment options. Subsidized student loans offer the advantage of not accruing interest while the student is in school. Parent PLUS Loans: Another type of federal loan, Parent PLUS loans are student loans for parents (biological and adoptive) of dependent undergraduate students. These loans typically have higher interest rates than student loans and require a credit check. Private Student Loans: If federal loans aren’t an option, lenders like Ascent offer a wide range of private loans with (or without) a creditworthy cosigner, typically a parent. Some lenders also offer parent student loans designed specifically for parents or guardians looking to take out a loan on their student’s behalf. When researching private lenders and loan types, don’t forget to consider other loan benefits, like ACH payment discounts and access to coaching and internships.  Before signing the dotted line for any student loan, it is important to compare loan terms, interest rates, and repayment options. Resources like loan calculators and financial aid counselors can help parents understand the long-term impact of each borrowing decision. Encourage the Right School Choice Where your student goes to school—and what they plan to study—is just as important as how you pay for it. Consider using a student loan or degree ROI calculator to help your student understand the impact of what they’re borrowing and how their career goals intersect.  Ascent’s Bright Futures Engine is an excellent tool to help you and your student anticipate how their planned major, chosen school, and financial aid can impact the expected ROI of their degree. If your student wants to attend a certain school and major in elementary education, they can input the school and major to see their: Estimated yearly costs for that school Expected average first-year salary Bright Futures Engine index, which is a number that translates to the anticipated ROI of attending that school for said major. The higher the score, the higher the expected return on investment. The Bright Futures Engine doesn’t take into account financial aid amounts on its own, but you can input your expected financial aid to help increase the Bright Futures Engine index. Input multiple schools and majors to help you determine which options are worth your investment. Ultimately, the school choice depends on what kind of experience your child wants. Each institution has academic and social pros and cons, and you’ll have to weigh them against the financial considerations to make the right choice. Learn More with Ascent Learning how to pay for your kid’s college looks different for each family. The goal isn’t to cover every cost (although that may be possible). Instead, it’s to help your child graduate with as little debt as possible while keeping your finances healthy. That’s why Ascent offers resources for parents and families to help budget, plan for college, and even borrow money for school through cosigned student loans. Explore our full lineup of student resources and learn how Ascent can help, no matter your student’s path. FAQs How do most parents pay for kids’ college? Most parents pay for college using a combination of savings plans, income, financial aid, and student loans. Scholarships and grants are another popular way to fund education, as are gifts from friends and family. Early planning reduces the need for borrowing and can make costs more manageable over time. Is paying for a child’s college tax-deductible? Tuition payments aren’t generally tax-deductible, but there are some tax credits available. A 529 Savings Plan is a tax-advantaged way to help pay for college, and the student loan interest deduction can help eligible borrowers reduce their tax burden after college. When should we start filling out FAFSA? You should submit the FAFSA as soon as it opens, usually on October 1 each year. Applying early increases your chances of receiving more financial aid, especially for need-based and first-come, first-served programs. What expenses should we expect beyond my child’s tuition cost? Tuition is the lion’s share of what students have to pay for, but it’s not the only expense. Expect to budget for room and board, books and supplies, transportation, activity fees, and other personal expenses. These can add thousands to the total cost of attending school, so factor them in when planning for your child’s education.

Does the thought of completing the Free Application for Federal Student Aid (FAFSA) give you a headache?  You’re not alone. Millions of students complete this federal form each year, navigating deadlines, account creation, and document requirements along the way. It’s easy to feel overwhelmed, but skipping the FAFSA or making a mistake on the form could cause you to miss out on financial aid. Familiarizing yourself with the ins and outs of the FAFSA application process—and submitting your application early—can ensure you maximize the aid you are eligible for. This guide explores some of the common FAFSA errors and tips to help you avoid mistakes or delays in the application process. Key Takeaways Skipping the FAFSA entirely could cause you to miss out on valuable financial aid. Any student can fill out the FAFSA, regardless of income, so fill it out even if you don’t think you qualify. Complete the FAFSA as early as possible to avoid missing critical school- and state-specific deadlines. This also increases your chances of securing first-come, first-serve aid. FAFSA errors can delay your application status or impact the amount of aid you qualify for. Make sure your information is accurate and double-check your application details carefully before submitting. You can correct information on the FAFSA after your form has been processed if you make a mistake, or if your financial circumstances change. 1. Skipping the FAFSA Entirely Unsurprisingly, one of the costliest FAFSA errors is not filling it out at all. Many students or families assume they won’t qualify for financial aid due to income or other factors, but that’s a big mistake. Each year, billions of dollars in federal aid go unclaimed, including over $4 billion in Pell Grants alone. Even if you don’t qualify for need-based financial aid, the FAFSA is often a requirement for scholarships, work-study programs, and low-interest student loans. Don’t miss out. Confirm your FAFSA eligibility and apply, even if you don’t know how much aid you might qualify for. 2. Completing the Wrong Year It’s easy to fill out the wrong year’s FAFSA by mistake, especially when multiple versions are available online. Double-check that you’re completing the form for the correct academic year. The FAFSA typically opens on October 1 each year, although it has been delayed in the past.  3. Missing the FAFSA Deadline Missing the FAFSA deadline is an easy way to miss out on financial aid. The federal deadline typically falls on June 30 of the academic year, but states and schools often have significantly earlier cutoffs. In addition, corrections or updates must be submitted by 11:59 CT on September 12. Check with your state and school’s financial aid office for the specific deadlines relevant to your circumstances. 4. Failing to File Early While it may seem there’s plenty of time to meet these deadlines, failing to file the FAFSA early can cost you. Waiting to apply can lead you to miss out on first-come, first-served aid, such as work-study opportunities, state grants, or institutional scholarships.  Not only does filing early give you the best chance of maximizing your financial aid opportunities, filing the FAFSA early can give you more time to compare the aid packages offered by different colleges. It can also provide extra time to pursue supplemental forms of financial aid, like private student loans, if needed. 5. Using the Wrong Tax Information One of the more technical—but critical—FAFSA errors is entering the wrong tax details on the form. Your dependency status will determine whose tax information is needed on the form, regardless of who will be paying the tuition. If you are a dependent, this tax information will likely come from your parents. Verify whose information is required to avoid this common FAFSA error. The FAFSA requires tax data from two years before the start of the academic year. For example, if you’re applying for financial aid for the 2025-2026 school year, you’ll need to provide tax information from 2023.  Using figures from the wrong year could delay processing or, even worse, reduce aid eligibility. Some of the required details include: Filing status Income Tax Paid Adjusted Gross Income (AGI) Income Earned from Work Tax-Exempt Interest Education Credits Using the IRS Data Retrieval Tool (DRT) is one of the easiest and most accurate ways to input your tax information, and eligible users can also securely import their tax data directly from the IRS DRT into the FAFSA.  6. Misunderstanding Dependency Status Unfortunately, many students assume that being financially independent means independent status for the FAFSA, but that’s not always the case. The FAFSA uses specific criteria to determine whether you’re dependent or independent, including: Age Marital status Military service Legal guardianship Most undergraduate students are classified as dependent and must report their parents’ financial information. If you believe you should be considered independent, consult the FAFSA dependency guidelines or contact your school’s financial aid office for clarification. 7. Entering the Wrong Personal Data In addition to knowing whose tax information to use, you’ll want to double-check the accuracy of basic details like Social Security number, date of birth, and even the legal names of all required parties. Even small errors, like using nicknames instead of legal ones, can lead to avoidable headaches. 8. Delaying While Deciding on a School You may think you need to put off the FAFSA until you make a final decision about which school to attend, but you don’t actually have to wait. If you're undecided, you should still submit the FAFSA early and list all the schools you’re considering. You can include up to 20 schools on the form, and it’s easy to remove or add schools later through your FAFSA account.  Take your time in selecting the right school, but don’t delay your access to financial aid. After all, your chosen school can’t offer a full financial aid package without your FAFSA on file. 9. Thinking There Are Age Restrictions Another common FAFSA error is thinking the application is only for traditional full-time students. Access to financial aid isn’t just limited to these students, although they’re the most common recipients. Non-traditional students like those working full-time and attending school part-time or those returning to school after an extended break can complete it, too. No matter your reason or timeline for attending college, completing the FAFSA can help open a wide range of financial aid options for you. 10. Not Knowing How to Make Changes FAFSA processing time can vary based on whether you file with an email address and sign with a Federal Student Aid (FSA) ID or a physical signature page, but you will eventually receive a FAFSA Submission Summary with key details. Read this report closely to ensure the information is accurate. If not, you can make any necessary changes through the FAFSA website. You typically have until October to correct any FAFSA errors or make changes, so don’t delay. In some cases, special financial circumstances will warrant changes after you submit your application. These circumstances can include reduced income from a pay cut, loss of employment, or newly incurred medical expenses. These situations can greatly impact your eligibility for financial aid, so make your school aware of them immediately. Learn More with Ascent Filing your FAFSA is just the start of your education and financial aid journey. And while paying for college is a pressing concern for many students and families, there are several forms of financial aid that can help make college more affordable. If grants and scholarships don’t cover the full cost, undergraduate loans—including private student loans from Ascent—can provide the extra support you need to pursue your education. Ascent is committed to providing students and families with resources needed to achieve their education goals. Learn more about how to better budget, plan for college, and fund educational expenses with our student resources hub. FAQs What should I do if my FAFSA has an error? If you notice an error after submitting the FAFSA, don’t panic. You can correct most mistakes by logging into FAFSA.gov and clicking “Make FAFSA Corrections.” Review your Student Aid Report (SAR) for issues and update it as soon as possible to avoid delays in aid processing. What happens if you make a mistake on the FAFSA? FAFSA mistakes can delay your application, reduce aid, or even render a person ineligible for some programs. Errors like incorrect income details or Social Security numbers must be corrected immediately. Most issues can be fixed online, but you can also contact your school’s financial aid office for help. What should you do if you submit a FAFSA application and realize there’s a mistake? Log in to your FAFSA account, correct it, and resubmit the form in a timely manner. If the mistake involves a signature, parent information, or dependency status, follow the additional instructions provided.  How do I know if I did my FAFSA correctly? After submission, you’ll receive a confirmation email and Student Aid Report. Review it to ensure all information is accurate and complete. If anything looks off, update it immediately. You can also contact your school’s financial aid office to confirm receipt and resolve any issues.

Graduation is coming up soon, and with it comes a big question: What now?  By now, you’re used to attending lectures, submitting assignments, and pulling the occasional all-nighter. So, what happens when the structure disappears, and the deadlines stop?  Post-grad life can feel both exciting and overwhelming. Everyone’s asking, “What’s next?” and it’s okay if you don’t have the answer yet.  It’s important to remember that graduating in a strong job market can look a lot different than graduating in a recession. Economic conditions can impact the opportunities available and the pace you move at, so give yourself some grace if things feel uncertain.   Whether you’re starting a full-time job, considering grad school, or figuring things out one step at a time, there is no single “right” path. What matters most is choosing the best path for you.   This guide will walk you through your options and help you navigate post-grad life with confidence.  Take a Moment to Reflect  If you’ve always wanted to write, cook, or learn a language, now is your chance! You’ve worked hard to get here; it’s healthy (and smart) to take a pause before moving into the next chapter.  You can use this extra time to travel, volunteer, reflect, or recharge.  Pursue personal goals you’ve always put off, whether it be a new hobby or finally going on that dream vacation.   Journal or talk to a mentor to figure out what you want to accomplish, not just what’s expected.  If you’re planning time off or thinking about travel, it’s also a good idea to create a basic financial plan. Budgeting tools like Ascent’s free budgeting resource can help you organize your expenses and feel more confident about your choices.  Explore Career Options  If you’re ready to work, it’s time to dive into exploring career opportunities:  Identify your interests, strengths, and values.  What industry do you want to work in, location, work-to-life balance, salary expectations. What does job security mean to you, and how important is it in your decision-making?  Look into full-time jobs, internships, or freelance/part-time opportunities.  Writing, tutoring, assistant roles, social media management, graphic design, etc.  If you’re preparing to apply, check out a free resume template or visit Ascent’s Career Center for tools that can help you take the next step with confidence.   Network through LinkedIn, Handshake, alumni groups, and local events.  Polish your resume (and highlight that new degree!).  Set up informational interviews (coffee chats) to learn from people already working in fields that interest you.  Pro Tip: See if your professors or career service center at your school can help you connect with alumnae  Remember: Don’t be afraid to apply even if you don’t meet 100% of the qualifications.  Consider Graduate School or Additional Education  Is grad school the right move—or just the “safe” next step?  Graduate programs can open doors to specialized roles, higher pay, and advance research or leadership opportunities. But they’re also a major investment of time, money, and energy. It’s worth asking: is this path aligned with your long-term goals, or are you choosing it out of uncertainty?  If you’re unsure, remember there are many ways to keep learning and growing without committing to a Master's degree.  Alternatives include:  Professional certifications (marketing, tech, finance, etc.)  Coding bootcamps and short-term skill programs  Online courses from platforms like Coursera, edX, or Google Career Certificates  Professional skills training through AscentUP Before applying, ask yourself:  Does this program directly advance my career goals?  Am I pursuing grad school because it genuinely excites me or because it feels more comfortable than facing the unknowns of the job market?  Would I benefit more from gaining hands-on experience first and reassessing it later?  Can I speak to alumni from this program to learn about their outcomes?   Tip: Compare program costs to potential salary increases and job placement rates to help evaluate long-term value.  If you’re confident that further education is the right step for you but are concerned about financing it, resources like Ascent can help. They offer student loans not just for traditional graduate degrees, but also for bootcamps and professional development programs, supporting students in all stages of their learning journey. As you explore your options, take time to compare program costs with potential salary increases and job placement rates—this can help you evaluate the long-term value and return on your investment.  Start Your Own Venture  If you’re entrepreneurial, you can take this time to take a shot at your own thing!  To minimize risk, start small, whether that be through side hustles, freelancing, or online businesses.  Try platforms like Fiverr, Etsy, and eBay.  You can also test your ideas with minimal investment. Try validating your concept by running a quick survey, gathering feedback, or soft launching on social media platforms like Instagram or TikTok to gauge interest.  Use resources like the Small Business Administration, local incubators, or freelancing platforms.  Open a separate business bank account, track your income and expenses, and investigate basic legal protections if needed.   Building something of your own can teach you valuable skills.  Why it’s worth it:  Even if it doesn’t turn into your full-time career, starting something of your own builds practical, transferable skills from marketing and budgeting to client communication, project management, and resilience.  It also gives you clarity on what you actually enjoy doing (and what you don’t).  Best of all? You’ll walk away with a unique, real-world experience that stands out on your resume and gives you something memorable to talk about in interviews.  Don’t Compare Your Journey to Others  Everyone’s post-grad timeline looks different and that’s normal!  Avoid getting trapped in comparisons on social media.  Focus on your own growth instead of chasing someone else’s timeline.  If social media tends to trigger comparison, try setting healthy boundaries through limiting screen time, muting certain accounts, or unfollowing pages that make you feel behind.   Redirect that energy towards comparing how much you have developed and achieved over the years and reflect on how you can keep growing!  Remember: Real success is built over years, not overnight.  Conclusion + Next Steps  There’s no single path to success after graduation, and that’s completely normal. Whether you’re diving into a new job, taking a moment to reflect, or still figuring things out, the most important thing is to start somewhere. Even small wins like updating your LinkedIn profile, scheduling a coffee chat, or signing up for a free course can help you build momentum.  Uncertainty is part of the process, and it’s okay not to have all the answers right now. What matters is that you’re moving forward with intention and staying open to new possibilities.  Looking for tools to support your journey? Ascent offers helpful student resources for planning your next move, financing continued education, and gaining confidence along the way.  You’ve worked hard to get here. Keep going, and trust that you’re capable of building a future that feels right for you. You’ve got this.