It’s fast and easy to get the money you need.
FAST rate check • NO fees
Apply in minutes
Check your rates without impacting your credit score.
135,000+ people have used Ascent to pay for school**
Cover up to 100% of school costs in under 3 minutes
Preparing for college is hard work, but applying for an Ascent student loan is fast and easy.Apply with or without a cosigner.
Start an ApplicationNo fees
Save more with absolutely zero feeson college loans, ever
Low rates
Low fixed rates starting at 2.89% APR and lowvariable rates starting at 4.17% APR*
Flexible options
Simple, flexible repayment options designedto fit your needs
Big advantages
Get access to benefits like paid internshipopportunities and career coaching1
A loan that fits your needs
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.
No Surprises
You can preview your rate and repayment options without affecting your credit. We keep things simple with clear terms and no hidden fees3.
Extra Support
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!
Community Benefits
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.
135,000+ people have used Ascent to pay for school
-
82%
of credit-based college loan borrowers increased their credit score
-
1.2 million+
minutes of financial wellness education accessed
-
$355,000+
scholarships awarded by Ascent since 2020
Hear from real borrowers
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.
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 subject to change at any time.
*Annual Percentage Rates (APRs) displayed above are effective as of 12/01/2025 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 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 135,000 borrowers took out an Ascent loan for college or career training tuition or expenses between January 2018 and August 2025.
1Comparison 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.
2Ascent 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.
3For full eligibility requirements, visit our Borrower Benefits page.
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.
