*Annual Percentage Rates (APRs) displayed above are effective as of 08/06/2025 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.
*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.)
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.
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 36-months after graduation or leaving the program
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.
It was the only decent loan provider that would accept a non-cosigned loan. My loan manager helped a lot.
The best thing about Ascent is the fact that they make the process easy. I was able to do everything online and the money was sent directly to my school.
You’ve already put a lot of work into preparing for medical 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.
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.
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.
After you choose your loan terms, complete any loan application tasks in your Ascent portal.
When your portal tasks are complete, we send your loan for school certification. Once certified, we’ll disburse your loan directly to the school.
See your rates today without impacting your credit score.
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To help you with your student loan for medical 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.
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From your first application to your final payment, we’re committed to helping you every step of the way. Our 100% U.S.-based Ascent’s customer service team is here for you.
Ascent’s credit decisioning criteria is proprietary and subject to change, but you can check your pre-qualified rates without impacting your credit score. We consider credit history and several other factors including, but not limited to, credit score.
Ascent considers several factors which may include creditworthiness, school, program, GPA, and cost of attendance.
Ascent’s Graduate Student Loans are for graduate students who are enrolled at least half-time in a degree program at an eligible institution.
Students applying without a cosigner must be U.S. citizen, U.S. permanent resident or have a Deferred Action for Childhood Arrival (DACA) status. DACA students or students who are not a U.S. citizen or U.S. permanent resident may apply with a credit-worthy cosigner who is a U.S. citizen or U.S. permanent resident.
Yes. Ascent’s graduate student loans are available for international students attending U.S.-based institutions. To apply for our student loan for medical 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 $80,000 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.
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.
Yes. Many medical school students apply for federal loans first through the Free Application for Federal Student Aid (FAFSA®), then cover additional expenses with private student loans. The federal loans available to you may consist of Federal Direct Unsubsidized Loans and Grad PLUS Loans.
If your federal loans don’t cover all of your living expenses, a private student loan and scholarships may give you the relief you need.
Medical school loans with Ascent work in 4 easy steps. After you’ve been accepted to your medical 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 medical 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.
Don’t see your question? Check our FAQ page.
If you have questions or concerns about your medical school 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 the Ascent team.
Ascent provides private student loans for various graduate student routes. If your heart isn't set on medical school, we can still help you out! Check out our other graduate loan options.
Graduate Loans1Restrictions apply, see amazon.com/gc-legal
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