Fixed APRs starting at
3.39%*
100,000+ people have used Ascent to pay for school
Every student’s situation is different, so if you can’t qualify for a loan in your own name, our private student loans with a cosigner can help.
We offer multiple repayment plans, so you can choose what works best for you!
Pre-qualify in minutes to compare your options and preview your payments.
You can preview your rate and repayment options without affecting your credit. We keep things simple with clear terms and no hidden fees.
Get your questions answered and meet your goals with access to friendly, expert help on academic, career, and finance essentials. We’re invested in your journey to success!
Celebrate graduation with a cash reward2, get a discount when you sign up for autopay, earn money when you refer friends, and enter for a chance to win monthly scholarships.
of credit-based college loan borrowers increased their credit score
minutes of financial wellness education accessed
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 score.
From your first application for a private student loan with a cosigner to your final payment, we’re committed to helping you every step of the way. Our 100% U.S.-based Customer Service Team is here for you.
A cosigner agrees to become legally responsible to make your student loan payments if, for whatever reason, you are unable to in the future, so it’s important to choose someone who is reliable and meets the eligibility requirements.
Here are a few common types of cosigners:
Yes. You can apply to release your cosigner after making the first twelve (12) consecutive, regularly scheduled full principal and interest payments on-time and meeting the other eligibility criteria to qualify for the loan without a cosigner, including meeting the program requirements for a solo student borrower. The student borrower must make the request to release a cosigner directly with Launch Servicing or the loan holder. For full eligibility requirements, visit our Borrower Benefits page.
Note: The option to apply to release the cosigner is only available to student borrowers who are a U.S. citizen or U.S. permanent resident and is not available to students who are not a U.S. citizen or U.S. permanent citizen.
Ascent’s credit decisioning criteria is proprietary and subject to change, but you can check what rates you pre-qualify for in just four (4) steps without impacting your credit score. We consider credit history and several other factors including, but not limited to, credit score:
Cosigned Credit-Based Loan
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 Ascent college student loans and are subject to change at any time.
*Annual Percentage Rates (APR) displayed above are effective as of 01/01/2025 and reflect an Automatic Payment Discount of 0.25% for credit-based college student loans when you enroll in automatic payments. 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.
**4x higher acceptance rates were observed between November 2024 through January 2025 across all products when a loan application is cosigned vs without a cosigner. Ascent’s minimum credit requirements vary based on loan product, credit history, and whether you’re applying with a cosigner. You can see your rates without impacting your credit score to help you determine which product could be best for you based on your unique circumstances.
1To be eligible for coaching through AscentUP, the student borrower must be an undergraduate who has been approved for and completed an Ascent college loan application and has agreed to the AscentUP terms of service. To be eligible for the AscentUP Internship Program, the student borrower must be an undergraduate college or bootcamp student who has been approved for and completed an Ascent loan application, has applied for the Program, and agreed to the AscentUP Internship Program terms of service.
2Ascent’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. Learn more at AscentFunding.com/CashBack. 1% Cash Back Reward amount dependent upon total loan amount for Ascent college loan borrowers; approximately $365 average reward amount based upon eligible borrowers who received Cash Back Rewards in 2023. Aggregate cash back limit of $500.
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 bootcamp school pursuing a degree in technology, professional training, or licensure training.