Fixed APR
3.69% - 14.61%*
- Make the same payment every month
- Your interest rate is set the day you apply and doesn’t change
Ready to start your loan application?
See your rates today without impacting your credit score.
Competitive Computer Science student loan & Engineering student loan interest rates
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Variable APR
5.08% - 15.04%*
- Your payment may change each month
- Your interest rate may vary with the market conditions
*Annual Percentage Rates (APRs) displayed above are effective as of 10/01/2025 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.
Customize your Computer Science or Engineering student loan repayment options
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Flexible Repayment Plans (available while enrolled at least half-time at an eligible school and during Grace Period)
- Deferred repayment if you want to wait to start loan payments.
- $25 minimum repayment if you want to get started on your payments while you're still in school.
- Interest-only repayment if you can afford larger payments while in school.
- Immediate repayment* if you want to start making full payments (principal + interest) on your loan right away.
*The Full P&I (Immediate) Repayment option is only available for college loans (except for outcomes-based loans) originated on or after June 3, 2024. (See Terms & Conditions.)
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In-School Period
- We offer deferment of Computer Science or Engineering school loans up to 36 months while you're enrolled at least half-time.
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Postpone Payments
- The grace period allows you to postpone full principal and interest payments up to 9 months after graduation, or leaving the program, or otherwise dropping to less than half-time enrollment status giving you time to focus on what matters.
Want to see what your repayment plan and monthly payments could look like?
Check out our loan repayment examples to help you make your decision.
5 benefits of Computer Science and Engineering student loans with Ascent
- No application, origination, or disbursement fees
- No penalties for early repayment
- 1% cashback graduation reward + discount for automatic payments
- Refer a friend and earn an Amazon eGift Card1 for each friend you refer
- Defer payments up to 9-months after graduation or leaving the program
1Restrictions apply; see amazon.com/gc-legal.
What are others saying about Ascent?
Ascent stands out for its range of payment reduction and postponement options, rare among private lenders. Borrowers can choose a graduated repayment plan, which provides a lower monthly payment to start that increases over time.” Read more
We are recognizing Ascent with our Editor’s Choice™ Award as Top Private Student Loan Provider thanks to the company’s student-focused efforts and innovative loan options. ” Read more
Being young I don’t have a strong credit history. Ascent made it possible for me to have my own loan without the help of others - I’m thankful I found them.
How to get your Computer Science or Engineering student loan
You’ve already put a lot of work into preparing for your Computer Science or Engineering degree. Getting the financing you need shouldn’t stop you now. We’ve streamlined our application process so you can get your funds without getting a headache.
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step 1Submit your pre-qualification
We ask you to provide important information such as your name, address, date of birth, the school you’re applying to, and employment information. If you’re applying with a cosigner, they’ll also enter their information.
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step 2Customize your loan details
Once your completed loan application is approved, you’ll be able to view your loan details and select the loan terms that work best for you.
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step 3Complete any open loan tasks in your Ascent portal
After you choose your loan terms, complete any loan application tasks in your Ascent portal.
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step 4We pay the school
When your portal tasks are complete, we send your loan for school certification. Once certified, we’ll disburse your loan directly to the school.
Additional ways to pay for your Computer Science or Engineering degree
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Federal financial aid
Many Computer Science and Engineering students take out federal loans first by filling out the FAFSA, then seek more funding through scholarships and private student loans. Using the FAFSA for Computer Science and Engineering student loans can give you an overview of your federal student loan options.
If your federal aid doesn’t cover all your costs, taking out a private health professions student loan can keep you from stressing over your budget while you’re studying.
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Scholarships
Ascent also gives out more than $355,000 in scholarships every year to students attending college, graduate school, and bootcamps. There are many chances to win, so make sure to check in regularly to see which scholarships we’re currently running.
Financial wellness tips for Computer Science and Engineering degree students
To help you with your student loan for graduate school, we incorporate financial wellness into our application process.This gives you exclusive access to tips and resources to prepare you for financial success in school and after graduation.
Frequently asked questions
Yes. Many Computer Science and Engineering degree students apply for federal loans. You can complete the Free Application for Federal Student Aid (FAFSA®) for your Computer Science or Engineering student loan, then cover additional expenses with private student loans. The federal student loans available to you may consist of Federal Direct Unsubsidized Loans and Grad PLUS Loans.
If your federal student loans don’t cover your living expenses, a private student loan for your Computer Science or Engineering degree and scholarships may give you the relief you need.
The maximum loan amount for an Ascent loan is limited to the total cost of attendance for a period not to exceed one full academic year, including any financial aid you receive, as certified by your school. Note: Your maximum loan amount may be less than the amount requested on your application due to the school certification or other underwriting factors.
- Minimum: $2,001*
- Maximum (aggregate): $400,000 for Graduate Loans
- Student borrowers may borrow up to their institution’s cost of attendance as certified by the school and may not exceed the aggregate loan limits as stated above.
*The loan minimum amount is $2,001 except for the state of Massachusetts. Minimum loan amount for borrowers with a Massachusetts permanent address is $6,001.
Depending on your program and personal goals, taking loans for a Computer Science or Engineering degree can be well worth it. Planning out your budget in advance and setting yourself up for success can minimize your stress during and after college.
Ascent provides financial tips and ideas to help students succeed – we’re here to help you get the most out of your student loans.
Computer Science or Engineering student loans with Ascent work in 4 easy steps. After you’ve been accepted to your school, you can begin the application for your loan. Once you’ve pre-qualified for your loan, you can accept the loan and customize your repayment options. We’ll keep you updated on additional tasks and documents that need to be uploaded.
Finally, your school will certify the amount you’re approved, and your funds will be sent directly to your school – any money that doesn’t go toward your school’s necessary funds will be sent to you to cover additional expenses.
Yes. Ascent’s Computer Science and Engineering student loans are available for international students attending U.S.-based institutions. To apply for our student loan for graduate school as an international resident, you’ll need to apply with a creditworthy cosigner. Your cosigner must be a U.S. citizen or U.S. permanent resident.
DACA students may apply on their own with the proper documentation or with a qualified cosigner who is a U.S. citizen or U.S. permanent resident.
Yes. Ascent awards over $355,000 in scholarships every year. Enter for your chance to win our monthly scholarships in 3 easy steps – no essay required. To learn more about scholarships, visit here.
