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Ascent Blog

Confused about Federal Student Loan Repayments? Questions from Students, Answers from Ascent 
Oct 04, 2023 | By: Ascent
Categories: Blog, For College Students, For Cosigners, For Grad Students, For Parents and Cosigners, For Students
Ascent hosted an engaging webinar to address what’s on many people’s minds – federal student loan repayment. We know that… Read More
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Ask Ascent: From Internship to Full-Time Role
Jan 09, 2025 | By: Ascent
Categories: Blog, For College Students, For Students
Internships offer students the chance to gain real-world experiences and grow their professional development skills. Internships may have the potential… Read More
Internship to Full-Time Role
6 Tips to Research & Apply for a Private Student Loan
Dec 14, 2023 | By: Ascent
Categories: Blog, For College Students, For Students
Private student loans can be a daunting task, here's how students can research and apply for a private student loan. Read More
Private Student Loan blog feature image
Budget Blog – Finances of an SDSU Senior
Feb 15, 2023 | By: Ascent
Categories: Blog, For College Students, For Students
The idea of having a budget can feel empowering, yet, the process of building, maintaining, and sticking to a budget… Read More
Conversation on Tech & Film: Lesly Lynch
Jan 25, 2023 | By: Ascent
Categories: Blog, Celebrating Women, For College Students, For Grad Students, For Students
If you’re looking for a career with endless possibilities, a position in the tech industry can deliver. Case in point,… Read More
Lesly Lynch is pictured wearing headphones around her neck.
Ascent Parents Speak On Student Success
Jan 05, 2023 | By: Ascent
Categories: Blog, For Cosigners, For Parents and Cosigners, For Students
New adventures can be intimidating—whether it’s moving to a faraway campus, exploring some new classes, or furthering a budding career… Read More
Parent smiles at student studying
Using Your Student Loans For Living Expenses
Jun 09, 2025 | By: Ascent
Categories: Blog, For College Students, For Students
Loans can be tricky. You might find yourself searching for a loan, choosing between different types of loans, selecting a… Read More
Man looks at papers and types into a calculator.
Study Abroad Q&A with amber+
Dec 15, 2022 | By: Ascent
Categories: Blog, For College Students, For Students
Studying abroad is one of the most memorable experiences a student can have in college. To become a part of… Read More
Amber+ Study Abroad
Why Do I Need a Cosigner for my Student Loan?
Aug 01, 2023 | By: Ascent
Categories: Blog, For Students
You may wonder: Do I need a cosigner and why? Ascent breaks down 5 reasons why you need a cosigner… Read More
What Are Parent PLUS Loans? Know the Facts
Jun 09, 2025 | By: Ascent
Categories: Blog, For Cosigners, For Students
What are Parent PLUS loans, and should you look into one? Ascent Funding breaks down what Parent PLUS loans are… Read More
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{ “@context”: “https://schema.org”, “@type”: “FAQPage”, “mainEntity”: [{ “@type”: “Question”, “name”: “What Are Parent PLUS Loans?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “The federal Parent PLUS loan is one of several undergraduate student loans offered by the Department of Education (DOE). Families can use Parent PLUS loans to cover the cost of standard undergraduate programs and graduate programs at traditional colleges and universities. The PLUS loan for parents is part of the William D. Ford Federal Loan (Direct Loan) Program. To receive a Parent Plus loan, parents must complete a Direct Plus Loan Master Promissory Note (Direct Plus Loan MPN) and go through an online application process. From there, you will go through an evaluation process, and the federal government will determine if you are eligible to receive the loan.” } },{ “@type”: “Question”, “name”: “What Is the Interest Rate of Parent PLUS Loans?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “So, how do Parent PLUS loans work in regards to interest rates? Parent PLUS loans have a fixed interest rate, but that rate may change depending on the loan’s disbursement. On July 1, the new rate will take effect for the next academic year. Loans disbursed between July 1, 2021, and July 1, 2022, will have an interest rate of 6.28%. It’s important to distinguish between unsubsidized and subsidized loans. The government pays the interest that accrues for subsidized loans while your child is in school at least part-time. However, the Parent PLUS loan is unsubsidized, which means you may be responsible for the interest that accrues during the loan’s entire lifetime.” } },{ “@type”: “Question”, “name”: “How Do Parent PLUS Loans Work?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Most schools require parents to submit the PLUS loan application. You can find the application online at StudentLoans.gov, but it’s important to check with your child’s school first. Some schools have different requirements and application processes you’ll need to follow. The loan can’t be borrowed by anyone else or transferred into another person’s name, including the student you are supporting. You, the cosigner, will also be solely responsible for repaying the loan. It will not show up on your student’s credit or show on their credit history since this is not a cosigned student loan. You can also borrow up to the total cost of your child’s expenses after financial aid. If you haven’t completed the Free Application for Federal Student Aid (FAFSA), make sure you complete the application before you apply for the Parent PLUS loan. Through the Parent PLUS Loan, you can borrow up to your child’s total cost of attendance. It’s up to your child’s school to determine what that “total cost” figure will be.” } }] }