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Can You Get a Student Loan Without a Cosigner? Understand your options—and how to qualify solo or with support.
Cosigning a student loan isn’t just support—it’s a stepping stone to opportunity. Understand the responsibilities and rewards of becoming a cosigner.
Cosigning helps students access education—and may boost your credit, too. Discover the potential upsides of becoming a cosigner.
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.
Preparing for college is hard work, but applying for a cosigned student loan is fast and easy.
We ask you to provide important information such as your name, address, date of birth, and employment information, as well as some information about your student.
Once your completed loan application is approved, you'll review your loan details and select the loan terms that work best for you.
After you choose your loan terms, complete any loan application tasks in your Ascent portal.
When your tasks are complete, we’ll send your loan for school certification. Once certified, we’ll disburse the funds directly to the school.
Check your rate today without impacting your credit score.
Apply Nowof credit-based college loan borrowers increased their credit score5
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 is someone, often a parent or trusted adult, who agrees to take responsibility for a loan if the borrower is unable to make payments. Having a cosigner can help strengthen the application and may allow access to better rates or higher loan amounts.
The cosigner does not take over the loan. With Ascent, it is possible to release a cosigner later after the borrower makes a series of on-time payments, giving the borrower more independence and a chance to build their own credit.
Any creditworthy person of legal age to enter a contract can become a cosigner. A cosigner agrees to be legally responsible for loan repayment if you cannot make your loan payments. Common types of cosigners are:
A cosigner can add support and make your application stronger. This may help with approval and give you access to more loan options. It's also possible that you will be eligible for a lower interest rate with a cosigner than when borrowing individually.
Even with a cosigner, the borrower is responsible for the loan. With Ascent, it may be possible to release the cosigner later after a series of on-time payments, giving the borrower more independence and a chance to build their own credit.
Yes. You can apply for cosigner release after you've made 12 consecutive on-time payments, and meet other eligibility criteria. See ascentfunding.com/borrowerbenefits for full details.
Note: Only available to student borrowers who are a U.S. citizen or U.S. permanent resident.
Every borrower's application is evaluated based on their specific circumstances, and our program guidelines in effect at the time of your application. You can check your pre-qualified rates in 4 steps without credit impact.
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 (APRs) displayed above are effective as of 08/15/2026 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.
**Over 220,000 borrowers took out an Ascent loan for college or career training tuition or expenses between January 2018 and March 2026.
1Ascent 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.
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 career training school pursuing a degree in technology, professional training, or licensure training.
Don’t miss out on a chance to win $10,000 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
