220,000+ people have used Ascent to pay for school*
Looking for a student loan so you can attend an international school? Ascent offers financing for undergraduate students, graduate students, and parents of college students.
Join the WaitlistSave more with absolutely zero fees on college loans, ever
Competitive fixed rates starting at 2.69% APR* and variable rates starting at 3.65% APR*
Simple, flexible repayment options designed to fit your needs
Get access to benefits like paid internship opportunities and career coaching1
You provide details like your name, school, and date of birth to see if you pre-qualify without impacting your credit score. If you have a cosigner, they’ll also enter their information.
Once you're pre-qualified, you can view your rate and monthly payment options, and choose the repayment plan that works best for you.
Ascent confirms your eligibility with a hard credit check, you provide any additional information needed, and your school confirms your enrollment.
Ascent sends your tuition to your school so you can focus on your education and bright future. When it's time to repay, we help you stay on track.
Get access to financing for international school tuition and expenses with an Ascent student loan. When applications open on June 1, you’ll be the first to know.
Join the Waitlist
You can preview your rate and repayment options without affecting your credit. We keep things simple with clear terms and no fees on college loans.
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 autopay3, earn money when you refer friends, and enter for a chance to win monthly scholarships giveaways.
Our priority is the success of our borrowers. That’s why Ascent offers innovative support like financial wellness training, college and career coaching, and access to internship opportunities.
In addition to providing financial access to education, we are dedicated to giving learners the real-world resources and confidence they need to excel in college and beyond.
Join the Waitlist| See how Ascent compares 1 2 3 4 |
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Industry standard |
| Grace Period | 9 months | 6 months |
| Automatic Payment Discounts | 0.5% - 1% | 0.25% |
| No Fees on College Loans! |
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| College & Career Coaching |
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| Access to Paid Internship Opportunities |
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| Up to 40 Repayment Options |
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| Cash Back at Graduation |
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| DACA & International Eligibility |
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| Student & Parent Scholarship Giveaways |
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| 12-Month Cosigner Release |
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| Path to Discharge in Bankruptcy |
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Comparison based on information obtained on lender websites as of October 2025
Join the Waitlistof credit-based college loan borrowers increased their credit score3
minutes of financial wellness education accessed
scholarships awarded by Ascent since 2020
Ascent funding has the strategy that makes loan applications accessible to international students. This is the best of all. So optimal and appreciated.
Easy to navigate, easy for you to understand, easy to fill up the forms and very organized, also super happy that they include international students
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.
Ascent is a leading provider of innovative financial products and student support services that enable more students to access education and achieve academic and economic success.
Students attending an eligible institution and enrolled at least half-time in a degree program may apply for an Ascent loan. Parents, grandparents, guardians, or sponsors of an undergraduate or graduate student enrolled in an eligible school can apply for Ascent’s parent student loan.
Ascent’s credit decisioning criteria is proprietary and subject to change, but you can check your rates without impacting your credit score. We consider credit history and several other factors including, but not limited to, credit score.
Cosigned Credit-Based Loan for undergraduate and graduate students:With federal student loans, you borrow money directly from the Department of Education. To apply for a federal student loan, you need to complete the Free Application for Federal Student Aid (FAFSA®) application by visiting: https://studentaid.gov/apply-for-aid/fafsa/filling-out.
Private 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.
We’ll let you know when the application is open.
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.
Comparison chart is for informational purposes only and is based on publicly available information obtained from competitor websites as of October 2025. While we strive for accuracy, we do not guarantee the completeness, timeliness, or reliability of the data presented. Competitor terms, rates, and features may change without notice. This chart is intended to help users understand general differences among products and services and does not constitute financial advice, an endorsement, or a loan offer. Users should verify all information directly with the respective providers before making any financial decisions. Ascent 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 college student loans and are subject to change at any time.
*Annual Percentage Rates (APRs) displayed above are effective as of 04/01/2026 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.
**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.
3The 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 of 0.25% is for credit-based loans and a 1.00% discount is for outcomes-based loans when you enroll in automatic payments. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.
4Only Ascent college loans are eligible for no fees. Ascent career training loans are subject to a one-time origination fee of 5.0% of the loan amount. All Ascent loans are eligible for no application, disbursement, late, NSF or early payment fees.
5Impact to score may vary. For some, scores may not improve. Results will depend on many factors, including on-time payment history, the status of non-Ascent accounts, and other financial history.
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.