Graduate Student Loans for the Next Generation of Leaders
Pay for your masters, doctoral, or professional degree with or without a cosigner.
Check your rate without impacting
your credit score.
Ascent gives you more opportunities to apply for graduate loans with or without a cosigner so you can focus on your future, plus these additional benefits:
Affordable - Fixed or variable rates.
MORE REPAYMENT OPTIONS - 5, 7, 10, 12, 15, and 20-year terms (depending on the graduate loans you choose).
FLEXIBLE OPTIONS - Start payments at least 9 months after graduation, and if you need to make lower payments after graduation, consider our Progressive Repayment option.
BUILD CREDIT IN YOUR OWN NAME - Apply for Ascent’s Non-Cosigned Credit-Based Loan, or apply to release your cosigner after 12 payments and meeting other criteria.
FAST & EASY - Check your pre-qualified rates in minutes without impacting your credit score.
BIGGER DISCOUNTS - 0.25% automatic debit discount for Ascent's Credit-Based Loans. Discount Terms & Conditions >>
CASH BACK - 1% Cash Back Reward upon graduation.
FREE RESOURCES & APPS - Ascent offers additional resources beyond a student loan to help you thrive throughout college and beyond.
NO FEES - No application, origination, or disbursement fees AND there's no penalty if you pay off your loan early.
You’ve already put a lot of work into preparing for graduate school. 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.
Submit 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.
Select your repayment plan
Once your completed loan application is approved, you’ll be able to view your repayment options and select the loan terms that work best for you.
Complete your Ascent Portal tasks
After you choose your loan terms and accept your disclosures, your Ascent Portal will be populated with tasks to complete. These tasks include a financial wellness quiz and providing us with any additional information we need to prepare your loan.
We pay your school
When your portal tasks are complete, we send your loan for school certification. Once certified, we’ll disburse your loan directly to your school.
See your rates today without impacting your credit score.Apply Now
Ascent offers additional ways for you to earn money throughout the year, even if you don’t have a loan with us. Expand your possibilities with our benefits.
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- Forbes Advisor
To set students up for success, we incorporate financial wellness into our application process (the ONLY lender to require this) and offer exclusive benefits for students like the opportunity to qualify for a loan without a cosigner (for undergraduate juniors and seniors), 1% cash back, no fees, and over $80,000 in scholarships awarded every year.
Ascent Graduate Student Loans are for graduate students that are at least half-time enrolled in a degree program at an eligible institution.
Students applying without a cosigner must be U.S. citizens, have U.S. permanent resident status, or have DACA status. Students that are not U.S. citizens or U.S. permanent residents may apply with a credit-worthy cosigner that is a U.S. citizen or U.S. permanent resident.
Non-U.S. citizens are required to upload the following documentation to verify identity as applicable to their individual resident status:
In addition to 1. or 2. above, applicants must upload the following:
NOTE: The option to apply to release the cosigner after making twelve (12) consecutive full principal and interest payments on-time or an equivalent prepayment amount and meeting other eligibility criteria. is only available to student borrowers that are U.S. citizens or have U.S. permanent resident status or DACA status. (See FAQ, “Can I eventually remove the cosigner from my loan?”)
A fixed-rate means your interest rate will not increase or decrease while you are making monthly payments until your loan is paid in full. It will stay the same for the life of the loan.
A variable-rate means your actual interest rate could be lower or higher during your loan term than the rate you are given while completing the loan application.
Choosing a fixed rate versus a variable rate is entirely up to you but be sure to do your research beforehand on what will be best fit for your journey to financial wellness.
Private graduate student loans help fill the gap between your college expenses, including books, school supplies, rent, groceries, parking, gas, and anything else not covered by FAFSA or scholarships. Ascent offers flexible options to help you manage your monthly payments as you enter repayment.
You can use these other funds for your books, study supplies, or even rent and groceries.
Don’t see your question? Check our FAQ page.
If you have questions or concerns about your graduate loan application, don’t hesitate to contact Ascent. We’re available to assist you and provide clarification on the loan application process, as well as any additional information you need to help make your decision.
Fill out our contact form to reach our 100% U.S. based Ascent team.