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Non-cosigned loan options
You may pre-qualify for a student loan without a cosigner and build credit in your own name.
Flexible payment options
Choose from affordable fixed or variable rates, customize your repayment terms, and pay off your loan without any penalty.
Finding the right student loan without a cosigner shouldn’t be complicated. From filling out your application to your final payment, we’re committed to helping you every step of the way.
Student borrowers without established credit**, and those who meet the minimum credit requirements but don’t meet the income or repayment requirements may qualify for a loan without a cosigner on the basis of several alternative factors, which may include:
Additionally, students seeking a loan without a cosigner must:
**NOTE: No score means insufficient credit history to produce a score. If you have a score it must meet a minimum score required.
Creditworthiness refers to your eligibility to receive credit from a lender. Lenders use your credit history to assess the level of risk involved with issuing a loan or another form of credit to borrowers. There are many factors that contribute to creditworthiness including your credit score and repayment history.
Since many students have not yet established credit, Ascent determines creditworthiness for loans without a cosigner in the following ways:
There is no minimum income requirement for the Non-Cosigned Outcomes-Based Loan.* For a Non-Cosigned Credit-Based Loan, the minimum income requirement is $24,000/year.
* NOTE: If you are applying for a loan without a cosigner AND have less than two (2) years of non-student loan credit history, you will not be tested against any minimum current annual income criteria. Instead, evaluation is based on the school of attendance, program, major, and other criteria that do not consider current annual income.
Ascent offers private student loans without a cosigner at competitive rates.
*Rates displayed above are effective as of 08/02/2022 and reflect an Automatic Payment Discount of 0.25% (for Credit-Based loans) on the lowest offered rate and a 1.00% (for Undergraduate Outcomes-Based Loans) discount on the highest offered rate. For more information, see repayment examples and review the Automatic Payment Discount Terms and Conditions.
NOTE: For certain loans with low balances, the minimum monthly payment amount may cause the loan amortization schedule to be less than the selected term.
NOTE: Because the Non-Cosigned Outcomes-Based Loan is available to students without any reliance on cosigners, processing times may be longer and loan amounts may be lower than the loan amount requested.
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 loans without cosigner application process and give you exclusive access to tools and content to help you get set for greater financial success.Financial Wellness Tips
From your first application for a private student loan with a cosigner 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.
If you are a student borrower with or without a cosigner AND have less than 2 years of credit history:
If you are a student borrower without a cosigner and have at least 2 years of credit and make a gross annual income of $24,000:
NOTE – Ascent applicants without a cosigner AND less than two (2) years of non-student loan credit history are not tested against any minimum current annual income criteria. Instead, they are evaluated based on their school of attendance, program, major, GPA, and other criteria that do not consider current annual income.
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.
Northern Arizona University
They talked to me and helped me out in the most possible way. They made sure I got the most that I possibly could.
Mississippi State University
Ascent was great because they were able to answer all of my questions. They made getting to college a lot easier for me.
Every year, Ascent awards over $80,000 in scholarships for college and bootcamp students.