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Money Mentor

Money Mentor has partnered with Ascent to give you more opportunities to pay for college with or without a cosigner.

Find your best option in 4 simple steps – NO application fees.

See My Rates Check your rate without impacting your credit score.

We’re proud to provide award-winning loans for lifelong learners.

The Bankrate Awards Best Student Loans Lenders
nerdwallet best of awards 2022
forbes advisor best private student loans 2021
Editors Choice Award Ascent Badcredit.org
Money's Best 2022

Ascent's Student Loans

Ascent helps you cover up to 100% of your cost of attendance and other school-related expenses (up to $200,000*) at over 2,200 colleges nationwide by offering loans for students.

*The final amount approved depends on the borrower’s credit history, verifiable cost of attendance, and is subject to credit approval and verification of application information.

Astronauts

Cosigned

Credit-Based Loan

For students with a creditworthy cosigner (For U.S. citizens, DACA & international students)

Variable* APR 4.72% - 13.73%
Fixed* APR 4.62% - 15.66%

ELIGIBILITY*:

  • Enrolled at least half-time
  • Must be a U.S. citizen with an eligible cosigner who is a U.S. citizen or permanent resident
  • 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.

LOAN AMOUNTS:

  • $2,001 - $200,000

($200,000 aggregate total)

TERMS*:

  • 5, 7, 10, 12 or 15-Years

(No penalty for early repayment)

REPAYMENT OPTIONS*:

  • Deferred Repayment: Start payments up to 9 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment
Astronaut

Non-Cosigned

Credit-Based Loan

For students that qualify based on income & credit (Must be a U.S. citizen or and DACA student)

Variable* APR 8.79% - 14.98%
Fixed* APR 10.20% - 16.75%

ELIGIBILITY*:

  • Enrolled at least half-time
  • Must be a U.S. citizen or permanent resident and DACA student
  • Must have at least 2 years of credit history and meet credit and income requirements

LOAN AMOUNTS:

  • $2,001 - $200,000

($200,000 aggregate total)

TERMS*:

  • 5, 7, 10, 12 or 15-Years

(No penalty for early repayment)

REPAYMENT OPTIONS*:

  • Deferred Repayment: Start payments up to 9 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment
Astronaut

Non-Cosigned

Outcomes-Based Loan

For juniors & seniors with a 2.9+ GPA & no credit score**

**NOTE: No score means insufficient credit history to produce a score. If you have a score it must meet a minimum score requirements.

Variable* APR 12.23% - 14.19%
Fixed* APR 13.66% - 14.77%

ELIGIBILITY*:

  • Enrolled full-time OR graduating within the next 9 months
  • Maintain GPA of 2.9+ AND meet your school’s satisfactory academic performance (SAP)
  • Must be a U.S. citizen or permanent resident

LOAN AMOUNTS:

  • $2,001 - $200,000

($200,000 aggregate total)

TERMS*:

  • 10 or 15-Years

(No penalty for early repayment)

REPAYMENT OPTIONS*:

  • Deferred Repayment: Start payments up to 9 months after leaving school
MBA

MBA

Student Loans

For graduate students persuing their MBA with or without a cosigner.

Variable* APR 5.72% - 14.98%
Fixed* APR 5.62% - 16.75%

ELIGIBILITY*:

  • Enrolled at least half-time
  • Must be a U.S. citizen or have Deferred Action for Childhood Arrival (DACA) status with or without an eligible cosigner who is a U.S. citizen or permanent resident
  • International students may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

REWARDS:

TERMS*:

  • 7, 10, 12 or 15-Years

REPAYMENT OPTIONS*:

  • Deferred Repayment: Start payments up to 9 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

GRACE PERIOD:

  • Postpone payments up to 9 months after graduation

EXTENDED IN-SCHOOL PERIOD:

  • Maximum in-school period is 36 months
Medical

Medical School

Student Loans

For graduate students persuing their MD, DO, DVM, VMD, or DPM with or without a cosigner.

Variable* APR 5.52% - 14.98%
Fixed* APR 5.44% - 16.75%

ELIGIBILITY*:

  • Enrolled at least half-time
  • Must be a U.S. citizen or have Deferred Action for Childhood Arrival (DACA) status with or without an eligible cosigner who is a U.S. citizen or permanent resident
  • International students may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

REWARDS:

TERMS*:

  • 7, 10, 12, 15, or 20-Years

REPAYMENT OPTIONS*:

  • Deferred Repayment: Start payments up to 36 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

GRACE PERIOD:

  • Postpone payments up to 36 months after graduation

EXTENDED IN-SCHOOL PERIOD:

  • Maximum in-school period is 48 months
Dental

Dental School

Student Loans

For graduate students persuing their DMD or DDS with or without a cosigner.

Variable* APR 5.72% - 14.98%
Fixed* APR 5.62% - 16.75%

ELIGIBILITY*:

  • Enrolled at least half-time
  • Must be a U.S. citizen or have Deferred Action for Childhood Arrival (DACA) status with or without an eligible cosigner who is a U.S. citizen or permanent resident
  • International students may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

REWARDS:

TERMS*:

  • 7, 10, 12, 15 or 20-Years

REPAYMENT OPTIONS*:

  • Deferred Repayment: Start payments up to 12 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

GRACE PERIOD:

  • Postpone payments up to 12 months after graduation

EXTENDED IN-SCHOOL PERIOD:

  • Maximum in-school period is 48 months
Law

Law School

Student Loans

For graduate students persuing their JD or LLM with or without a cosigner.

Variable* APR 5.72% - 14.98%
Fixed* APR 5.62% - 16.75%

ELIGIBILITY*:

  • Enrolled at least half-time
  • Must be a U.S. citizen or have Deferred Action for Childhood Arrival (DACA) status with or without an eligible cosigner who is a U.S. citizen or permanent resident
  • International students may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

REWARDS:

TERMS*:

  • 7, 10, 12 or 15-Years

REPAYMENT OPTIONS*:

  • Deferred Repayment: Start payments up to 9 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

GRACE PERIOD:

  • Postpone payments up to 9 months after graduation

EXTENDED IN-SCHOOL PERIOD:

  • Maximum in-school period is 36 months
Graduate student

General Graduate

Student Loans

For graduate students persuing their MA, MS, PhD, or other graduate school programs with or without a cosigner.

Variable* APR 5.72% - 14.98%
Fixed* APR 5.62% - 16.75%

ELIGIBILITY*:

  • Enrolled at least half-time
  • Must be a U.S. citizen or have Deferred Action for Childhood Arrival (DACA) status with or without an eligible cosigner who is a U.S. citizen or permanent resident
  • International students may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

REWARDS:

TERMS*:

  • 7, 10, 12 or 15-Years

REPAYMENT OPTIONS*:

  • Deferred Repayment: Start payments up to 9 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

GRACE PERIOD:

  • Postpone payments up to 9 months after graduation

EXTENDED IN-SCHOOL PERIOD:

  • Maximum in-school period is 36 months

*Rates displayed above are effective as of 12/01/2022 and reflect an Automatic Payment Discount of 0.25% for credit-based loans and a 1.00% discount on outcomes-based loans when you enroll in automatic payments. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.

Lowest APRs require interest-only payments, the shortest loan term, and a cosigner, and are only available to our most creditworthy applicants and cosigners with the highest average credit scores.

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Tips & tools for financial success

To help you borrow responsibly, we incorporate financial wellness into our student loan application process and give you exclusive access to tips and resources to prepare you for financial success in college and after graduation.

What are others saying about Ascent?

Have questions about Ascent’s undergraduate loans?

We have answers.

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.

Ascent offers loan products to help undergraduate and graduate students pay for higher education.

 

The Ascent Student Loan program provides more opportunities to qualify for a loan with a cosigner or without a cosigner. . Ascent also offers credit-based loans for graduate students. Ascent loans are competitively priced. You can choose from affordable fixed or variable rates, customize your repayment terms, and pay off your loan early without any penalty. In addition, Ascent offers benefits that can help save money with a 1% Cash Back Reward upon graduation and an Automatic Payment Discount of at least 0.25% for Credit-Based Loans and in some cases up to 1.00% for Undergraduate Non-Cosigned Outcomes-Based Loans. The Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month.

Not necessarily. Ascent considers several factors, including: creditworthiness, school, program, graduation date, major, cost of attendance, and other factors that allow for students to potentially obtain a loan in their own name without a cosigner. Nevertheless, applying with a cosigner may result in a lower interest rate.

Students that are a U.S. citizen or have Deferred Action for Childhood Arrival (DACA) status may apply without a cosigner.  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.

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