168,000+ people have used Ascent to pay for school**
Ascent offers 40 repayment options across its co-signed and non-cosigned college undergraduate, graduate, and parent loans.
Breathe easier with absolutely no fees on college loans – no late fees, application fees, origination fees, NSF fees, or disbursement fees.
Gain access to paid remote internship opportunities and resources for budgeting, school support, and career readiness through AscentUP².
Unlike other lenders, our priority is the success of our borrowers. That's why Ascent offers more flexible repayment options, competitive interest rates, and personalized help so you can navigate your education and career path along the way.
Apply Now| See how Ascent compares 1 2 3 |
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Industry standard |
| Grace Period | 9 months | 6 months |
| Automatic Payment Discounts |
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| Cash Back at Graduation |
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| Student & Parent Scholarship Giveaways |
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| Over 2,300 Institutions |
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| No Fees! |
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| 12-Month Cosigner Release |
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| 40 Repayment Options |
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| Personalized Services for Borrowers |
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| Dedicated School Support |
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| Financial Wellness Training |
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| College & Career Coaching |
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| Access to Paid Internship Opportunities |
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| DACA & International Eligibility |
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| Ease of Discharge in Bankruptcy |
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Comparison based on information obtained on lender's websites as of October 2025
Apply Nowpeople have used an Ascent loan to pay for school**
of credit-based college loan borrowers increased their credit score4
minutes of financial wellness education accessed
in scholarships awarded by Ascent since 2020
Possibly the easiest process I have ever gone through in order to secure a loan.
Everyone was so helpful and nice to work with! Being a first generational college student picking a loan was scary and nerve wracking! But they made it so easy!
I've had such a struggle finding a loan and Ascent made it so simple. Not only was the process a weight lifted off my shoulders, but also ensured that I understood more about loans in general.
Check your rates without impacting your credit.
Achieve more with Ascent's no-essay scholarships - over $355,000 in scholarships awarded to date! Stay in the loop with scholarship resources, finance tips, product updates, and more.
Loans subject to individual approval, restrictions and conditions apply. See Terms and Conditions at AscentFunding.com/Rates and AscentFunding.com/Ts&Cs. Loan features and information advertised are subject to change at any time.
*Annual Percentage Rates (APRs) displayed above are effective as of 02/05/2026 and reflect an Automatic Payment Discount of 0.25% on credit-based college student loans submitted prior to 06/01/2025, a 0.5% discount on credit-based college student loans submitted on or after 06/01/2025, and a 1.00% discount on outcomes-based college student loans when you enroll in automatic payments. Loans subject to individual approval, restrictions and conditions apply. Loan features and information advertised are intended for college student loans and are subject to change at any time. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions. The final amount approved depends on the borrower's credit history, verifiable cost of attendance as certified by an eligible school and is subject to credit approval and verification of application information. Lowest interest rates require full principal and interest (Immediate) payments, the shortest loan term, a cosigner, and are only available for our most creditworthy applicants and cosigners with the highest average credit scores. Actual APR offered may be higher or lower than the examples above, based on the amount of time you spend in school and any grace period you have before repayment begins. Variable rates may increase after consummation.
**Over 168,000 borrowers took out an Ascent loan for college or career training tuition or expenses between January 2018 and November 2025.
1Loans subject to individual approval, restrictions and conditions apply. See Terms and Conditions at AscentFunding.com/Rates and AscentFunding.com/Ts&Cs. Loan features and information advertised are intended for college student loans and are subject to change at any time.
2Ascent 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.
3Ascent college loans originated June 5, 2023 onward are eligible for discharge without a showing of “undue hardship.” Restrictions apply, visit AscentFunding.com/faq/312285.
4Impact to score may vary. For some, scores may not improve. Results will depend on many factors, including on-time payment history, the status of non-Ascent accounts, and other financial history.
Checking your rate will not impact your credit score.
For students seeking their undergraduate or graduate degree from a university or college.
For students attending a coding career training school pursuing a degree in technology, professional training, or licensure training.