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Fixed APRs starting at


No fees. Low rates.
More repayment options.

Apply for 100% of your college expenses in under 3 minutes.

Check your rates without impacting your credit score.
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100,000+ people have used Ascent to pay for school

4.6 out of 5
6,776 reviews

Private Student Loan Rates

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Fixed Rates

3.79% - 15.41% APR*

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Variable Rates

5.99% - 15.85% APR*

Cover 100% of school costs in under 3 minutes -
with or without a co-signer

Preparing for college is hard work, but applying for an Ascent student loan is fast and easy.

Start an Application
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    No fees

    No application, disbursement, prepayment or late fees

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    Low rates

    Low fixed rates starting at 3.79% APR* and low variable rates starting at 5.99% APR*

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    Student-friendly benefits

    40 flexible repayment options – no other lender offers more.

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    Job & internship support

    Access to paid, remote internship opportunities as part of the AscentUP Internship Program¹

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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.

Start an Application

No Surprises

You can preview your rate and repayment options without affecting your credit. We keep things simple with clear terms and no hidden fees.


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.

100,000+ people have trusted Ascent to provide more than just a loan


of credit-based college loan borrowers increased their credit score

1.2 million+

minutes of financial wellness education accessed


scholarships awarded by Ascent since 2020

Hear from real borrowers


Resources for college
students and families

Ready to fund your higher
education journey?

Check your rates without impacting your credit score.

Loans subject to individual approval, restrictions and conditions apply. See Terms and Conditions at and Loan features and information advertised are intended for Ascent college student loans and are subject to change at any time.

*Rates displayed above are effective as of 07/23/2024 and reflect an Automatic Payment Discount of 0.25% for credit-based college student loans when you enroll in automatic payments. 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.

¹To be eligible for coaching through AscentUP, the student borrower must be an undergraduate who has been approved for and completed an Ascent college loan application and has agreed to the AscentUP terms of service. To be eligible for the AscentUP Internship Program, the student borrower must be an undergraduate college or bootcamp student who has been approved for and completed an Ascent loan application, has applied for the Program, and agreed to the AscentUP Internship Program terms of service.

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 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.

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Time’s Ticking! ⏰ Take advantage of new lower rates on college student loans from 3.79% to 15.86% APR*

Apply Now

*Annual Percentage Rate; See rates and repayment examples