College Loans
Ascent can help international undergraduate and graduate students with a cosigner.
See your pre‑qualified rate in 4 simple steps – No application fees.
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Check your rate without impacting your credit score.
We’re honored to be recognized as the best international student loan for 2021.
Undergraduate Cosigned
Credit-Based Loans
For students with a creditworthy cosigner
(For U.S. citizens & International students)
- Enrolled at least half-time
- International students may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident
- 1% Cash Back Graduation Reward**
- Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
- 5, 7, 10, 12 or 15-Years
- Deferred Repayment: Start payments up to 9 months after leaving school
- In School Interest-Only Repayment
- $25 Minimum Payment
MBA Cosigned
Credit-Based Loans
For international graduate students pursuing their MBA with a cosigner.
- Enrolled at least half-time
- International students may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident
- 1% Cash Back Graduation Reward**
- Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
- 7, 10, 12 or 15-Years
- Postpone payments up to 9 months after graduation
- Maximum in-school period is 36 months
- Deferred Repayment: Start payments up to 9 months after leaving school
- In School Interest-Only Repayment
- $25 Minimum Payment
Med School Cosigned
Credit-Based Loans
For international graduate students pursuing their MD, DO, DVM, VMD, or DPM with a cosigner.
- Enrolled at least half-time
- International students may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident
- 1% Cash Back Graduation Reward**
- Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
- 7, 10, 12, 15 or 20-Years
- Postpone payments up to 36 months after graduation
- Maximum in-school period is 48 months
- Deferred Repayment: Start payments up to 9 months after leaving school
- In School Interest-Only Repayment
- $25 Minimum Payment
Dental School Cosigned
Credit-Based Loans
For international graduate students pursuing their DMD or DDS with a cosigner.
- Enrolled at least half-time
- International students may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident
- 1% Cash Back Graduation Reward**
- Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
- 7, 10, 12, 15 or 20-Years
- Postpone payments up to 12 months after graduation
- Maximum in-school period is 48 months
- Deferred Repayment: Start payments up to 9 months after leaving school
- In School Interest-Only Repayment
- $25 Minimum Payment
Law School Cosigned
Credit-Based Loans
For international graduate students pursuing their law degree with a cosigner.
- Enrolled at least half-time
- International students may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident
- 1% Cash Back Graduation Reward**
- Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
- 7, 10, 12 or 15-Years
- Postpone payments up to 9 months after graduation
- Maximum in-school period is 36 months
- Deferred Repayment: Start payments up to 9 months after leaving school
- In School Interest-Only Repayment
- $25 Minimum Payment
General Graduate School Cosigned
Credit-Based Loans
For international students seeking graduate loans for degree programs in allied health, nursing, pharmacy, PhD programs, and other advanced graduate degrees (MA, MS) with a cosigner.
- Enrolled at least half-time
- International students and students with a Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident
- 1% Cash Back Graduation Reward**
- Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
- 7, 10, 12 or 15-Years
- Postpone payments up to 9 months after graduation
- Maximum in-school period is 36 months
- Deferred Repayment: Start payments up to 9 months after leaving school
- In School Interest-Only Repayment
- $25 Minimum Payment
*Rates displayed above are effective as of 01/01/2022 and reflect an Automatic Payment Discount of 0.25% on credit-based loans when you enroll in automatic payments. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.
**1% Cash Back Graduation Reward subject to terms and conditions, click here for details.
Am I eligible with a cosigner?
Yes. Individuals may apply as a borrower or cosigner based on their citizenship status as follows:
- U.S. Permanent Residents – as a solo borrower, as a cosigner or as a borrower with a qualified cosigner.
- Deferred Action for Childhood Arrival (DACA) status – as a solo borrower or as a borrower with a qualified cosigner.
- U.S. Temporary Residents – as a borrower with a qualified cosigner only.
Documentation requirements: The following are documentation will be required to verify your individual resident status:
- For U.S. Permanent Residents: Provide a Permanent Resident Card.
- For DACA status: Provide documentation from the U.S. Department of Homeland Security / U.S. Citizenship and Immigration Services (USCIS) that indicates DACA status that does not expire within 6-months of the end of the enrollment period for which the loan is being requested.
- For U.S. Temporary Residents:
A VISA that does not expire within 6-months of the end of the enrollment period for which the loan is being requested. with an acceptable category as follows: F-1, F-3, G Series, H-1B, H-1C, H-3, J-1, L-1, M-1, M-3, T-1, TN
OR
An I-20 Form (pages 1 & 2 and signed by the school) and an unexpired passport from country of origin.
How it works
4 simple steps –
NO application fees.
Check your pre-qualified rates without impacting your credit score.
- See your pre-qualified rates
- Customize your loan on your terms
- Upload your documents
- Get that money – if approved & certified
Have questions about private student loans for international students?
We’ve got answers.
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 Customer Service team is here for you. Call us toll-free at 877-216-0876，email us at [email protected], or check out our top FAQs below:
What is Ascent?
Ascent is an innovative private student loan program that provides access to higher education funding for an expanded population of undergraduate and graduate students, while encouraging the financial wellness of students and their families. We advocate awareness of the potential financial outcomes of your higher education choices (school, major, years in school, financing your education), helping you visualize where your career could go and what it could be – encouraging better decisions today to open up greater future opportunities.
What loans can Ascent offer to international students?
Ascent offers loan products to help international undergraduate and graduate students pay for college.
- International undergraduate students have the option to apply for a Cosigned Credit-Based Loan
- International graduate students have the option to apply for a Cosigned Credit-Based Loan. Ascent created customized repayment terms for:
- Business School (MBA)
- Dental School (DMD, DDS)
- Law School (JD, LLM)
- Medical School (MD, DO, DVM, VMD, DPM)
- General Graduate School (Health Professionals, Nursing, Pharmacy, MA, MS, PhD, etc.)
Do I need a cosigner if I am an international student?
Yes. Students that are not a U.S. citizen or U.S. permanent resident may apply with a creditworthy cosigner that is a U.S. citizen or U.S. permanent resident.
Ascent’s credit decisioning criteria is proprietary and subject to change, but you can check what rates you pre-qualify for in just four (4) steps without impacting your credit score. We consider credit history and several other factors including, but not limited to, credit score.
- Your cosigner must:
- Be a U.S. citizen or U.S. permanent resident.
- Have a minimum credit score. The minimum score required is subject to change and may depend on the credit score of your borrower.
- Minimum gross annual income of $24,000 for the current and previous year; and
- Must submit satisfactory proof-of-income.
Tips & tools for financial success
Don’t lose your financial freedom before you have the chance to earn it! To help you borrow responsibly, we incorporate financial wellness into our application process and give you exclusive access to tools and content to help you get set for greater financial success. Financial Wellness Tips »
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.
Nikara M.
Western Washington University
It was the only decent loan provider that would except a non-cosigned loan. My loan manager helped a lot.
Robert C.
Texas A&M University
Ascent gave me the option to take on a loan by myself and at a decent interest rate for what my circumstances were.
Tyler P.
Keiser University