Fixed Rates
Variable Rates
Simple, flexible funding that can cover up to 100% of college costs such as tuition, housing, and books.
Check your rates in 3 minutes with no impact to your credit score
Choose your repayment plan that works best for you
We send the money to your school and help you stay on track
Save more with zero fees on college loans
Get a fast decision and pay for your tuition, fees and expenses so you can keep moving forward
Simple, flexible repayment options designed to fit your needs
Get access to benefits like paid internship opportunities and career coaching1
We’re here to make things easier with flexible repayment options, no fees, competitive rates, and personalized guidance so you can move forward with confidence.
Planning for college can be stressful, but figuring out how to cover your costs doesn’t have to be.
Check My Rates| See how Ascent compares |
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Industry standard* |
| Grace Period1 | 9 months | 6 months |
| Automatic Payment Discounts2 | 0.50% – 1.00% | 0.25% |
| No Fees on College Loans |
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| College & Career Coaching2 |
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| Up to 40 Repayment Options |
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| Cash Back at Graduation2 |
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| DACA & International Eligibility |
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| Student & Parent Scholarship Giveaways |
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| 12-Month Cosigner Release2 |
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| Path to Discharge in Bankruptcy |
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Comparison based on information obtained on lender websites as of May 2026
Check My RatesFrom your first application to your final payment, we’re committed to helping you every step of the way. Reach out with any questions.
877-216-0876 Monday – Friday 7 am – 5 pm (PST)
[email protected]
Check your rates without impact to your credit score.
Check your rates without impact to your credit score.
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.
*Comparison chart is for informational purposes only and is based on publicly available information obtained from competitor websites as of May 2026. While we strive for accuracy, we do not guarantee the completeness, timeliness, or reliability of the data presented. Competitor terms, rates, and features may change without notice. This chart is intended to help users understand general differences among products and services and does not constitute financial advice, an endorsement, or a loan offer. Users should verify all information directly with the respective providers before making any financial decisions. Ascent 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 intended for college student loans and are subject to change at any time.
**Over 220,000 borrowers took out an Ascent loan for college or career training tuition or expenses between January 2018 and March 2026.
1Annual Percentage Rates (APRs) displayed above are effective as of 10/01/2026 and reflect an Automatic Payment Discount of 0.5% on credit-based college student loans, and a 1.00% discount on outcomes-based college student loans when you enroll in automatic payments. Loans subject to individual approval, restrictions and conditions apply. Loan features and information advertised are intended for college student loans and are subject to change at any time. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions. The final amount approved depends on the borrower's credit history, verifiable cost of attendance as certified by an eligible school and is subject to credit approval and verification of application information. Lowest interest rates require full principal and interest (Immediate) payments, the shortest loan term, a cosigner, and are only available for our most creditworthy applicants and cosigners with the highest average credit scores. Actual APR offered may be higher or lower than the examples above, based on the amount of time you spend in school and any grace period you have before repayment begins. Variable rates may increase after consummation.
2For more information, including eligibility requirements, terms, and conditions, please visit www.ascentfunding.com/ascentbenefitsterms
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.
Don’t miss out on a chance to win $1,000 from Ascent! No essay required.
*Students 14+. See Official Rules.
Ascent's pre-qualification process uses a soft credit check. If you pre-qualify, you’ll see your rates and repayment options with no credit impact. We’ll only continue to a hard credit check once you accept and agree to move forward with a loan option.
Make a plan with Ascent’s Student Loan Calculator
