168,000+ people have used Ascent to pay for school*
Get the funding you need with no fees, transparent terms, and flexible repayment built for your medical career timeline. We’ve helped over 168,000 people fund their education* – we’re ready to help you too.Apply for a loan for your MD, DO, DVM, VMD, or DPM program today.
Start an ApplicationSave more with zero fees on medical school loans
Postpone payments for up to 7 years so you can focus on your training1
Pay your tuition, fees, and expenses so you can keep moving forward
Options for cosigned and non-cosigned, DACA, and international students
Not sure how much to borrow? See how changes to federal Grad PLUS program could affect your financing options. Calculate Your Funding Gap
You’ve worked hard enough to get into medical school, so we’ve made it easy to fund it. Applying for an Ascent private student loan is fast and simple.
Submit an application to see if you pre-qualify without impacting your credit score
Preview your repayment options and choose the plan that works best for you
Ascent confirms your eligibility with a hard credit check, and your school confirms your enrollment
Ascent sends your tuition to your school so you can focus on your training
Ascent provides financial literacy support, flexible repayment options, no fees, and a quick, straightforward processwith financing you can count on.
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.
Make repayment work for you. Ascent’s options allow you to ease the transition into residency, with the flexibility to pay more later as your income grows. Postpone full principal & interest payments for up to 7 years post-graduation1, or make early payments without fees or penalties.
Plus, get a 0.5% discount on your interest rate by using Autopay2.
Defer payments in school & 36-month grace period after graduation.
Make small payments in school & 36-month grace period after graduation.
Make larger payments in school & 36-month grace period after graduation.
Start making full payments right away.
Once your grace period ends, you can use up to 48 months of additional deferment for any specialized residency program1. View repayment examples or apply now to see your customized rate & repayment options.
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.
Have the following information at the ready to complete your application in just a few minutes:
Submit an application today with no impact to your credit score. View your rates and repayment options once you pre qualify.
Choose from several repayment plans, including the option to defer payments until after graduation. Or, get started on repayment early. Preview your rate and payments by submitting an application without any impact to your credit.
Repayment plans:
No matter your choice of repayment plan, you can reduce your interest rate by opting in to Autopay2, and you can choose to make early payments or fully pay off your loan without any prepayment fees.
For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.
Depending on your repayment plan, Ascent's medical loans include a standard 36-month grace period for graduates after graduation, allowing you to postpone payments during a standard residency period. After the 36-month grace period, you can use up to 48 months of additional In School/Residency/Clerkship/Internship/Fellowship Deferment for any specialized residency program.
This means you could graduate from your program, defer payments for up to 84 months (7 years) while you complete your residency, and then begin repayment.
If you don’t complete your program or drop to less-than-half-time status, the grace period is 9 months.
For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.
We know unexpected events can happen. Ascent offers flexible repayment plans designed for the medical school timeline, deferment and forbearance options, ease of discharge in bankruptcy, no late fees, and more. If you borrow with a cosigner, we also offer a 12-month cosigner release.For more information, including eligibility requirements, terms, and conditions, please visit here.
Yes, get a 0.5% discount on your rate when you sign up for automatic payments2. Plus, when you enroll, you never have to worry about missing a payment. This option is available even if you choose a Deferred Repayment plan – just make an automatic payment of at least $1/month and qualify for the interest rate discount.
Yes. To learn more about scholarships, visit here.
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. If your federal loans don’t cover all of your expenses, a private student loan and/or scholarships may give you the relief you need.
Check your rates without impacting your credit score.
From your first application to your final payment, we’re committed to helping you every step of the way. Reach out with any questions.
877-216-0876 Monday – Friday 7 am – 5 pm (PST)
[email protected]
*Over 168,000 borrowers took out an Ascent loan for college or career training tuition or expenses between January 2018 and November 2025.
1Loans subject to individual approval, restrictions and conditions apply. Loan features and information advertised are intended for graduate 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.
2The final ACH discount approved depends on the borrower s credit history, verifiable cost of attendance, and is subject to credit approval and verification of application information. Automatic Payment Discount consists of 0.25% for credit-based graduate student loans submitted prior to 06/01/2025, 0.5% for credit-based graduate 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. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.
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.