College Loans fixed APRs starting at
2.89%*"Possibly the easiest process I have ever gone through in order to secure a loan." – Vincent B.
115,000+ people have used Ascent to pay for school**
Stay focused on your goals – we’ll cover the expenses. From books to bills, Ascent student loans can pay for exactly what you need. Borrow as little as $2,001† up to your full cost of attendance so you can keep moving forward.
Start an Application †The minimum loan amount is $2,001, except for the state of Massachusetts. The minimum loan amount for borrowers with a Massachusetts permanent address is $6,001. Your maximum loan amount will be determined according to Ascent's Ts&Cs and your school's certification of the loan amount.Preparing for college is hard work, but applying for an Ascent student loan is fast and easy.
Start an Application
No application, disbursement, prepayment or late fees
Low fixed rates starting at 2.89% APR* and low variable rates starting at 4.34% APR*
Up to 40 flexible repayment options* – no other lender offers more.
Access to paid, remote internship opportunities as part of the AscentUP Bridge Program1
We offer multiple repayment plans*, so you can choose what works best for you!
Pre-qualify in minutes to compare your options and preview your payments.
You can preview your rate and repayment options without affecting your credit. We keep things simple with clear terms and no hidden fees3.
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 autopay, earn money when you refer friends, and enter for a chance to win monthly scholarships.
of credit-based college loan borrowers increased their credit score4
minutes of financial wellness education accessed
in scholarships awarded by Ascent since 2020
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.
Check your rates without impacting your credit score.
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.
*Annual Percentage Rates (APRs) displayed above are effective as of 08/06/2025 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 115,000 borrowers took out an Ascent loan for college or career training tuition or expenses between January 2018 and November 2024.
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.
3Only 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.
4Impact 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.
We can help — big or small. Whether it's unexpected surprises like supplies, books, laptops, tuition or more — Ascent loans can help cover up to 100% of school costs.