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College Loans

Ascent gives you more opportunities to pay for college with or without a cosigner.

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

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Astronauts

Cosigned

Credit-Based Loan

For students with a creditworthy cosigner

Variable* APR 6.23% - 16.09%
Fixed* APR 4.29% - 15.96%

ELIGIBILITY:

  • Enrolled at least half-time at an eligible school
  • Must be a U.S. citizen, U.S. permanent resident or have a Deferred Action for Childhood Arrival (DACA) status
  • Must have an eligible cosigner who is a U.S. citizen or U.S. permanent resident
  • International students also may apply with a creditworthy cosigner who is a U.S. citizen or U.S. permanent resident. - See eligibility requirements.

REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*:

  • Deferred Repayment
  • Interest-Only Repayment
  • $25 Minimum Payment
  • Immediate Repayment*
See repayment examples

TERMS*:

  • 5, 7, 10, 12 or 15-Years

(No penalty for early repayment)

GRACE PERIOD:

  • Postpone full principal and interest payments up to 9-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status
Astronaut with flag

Parent

Credit-Based Loan

For parents, grandparents, guardians, and sponsors with a student attending an eligible school

Variable* APR 6.23% - 16.59%
Fixed* APR 5.50% - 16.66%

ELIGIBILITY:

  • Must be a U.S. citizen or permanent resident
  • Must be a parent, grandparent, guardian, or sponsor with an eligible student who is enrolled less than half-time, half-time or full-time at a degree-granting, Title IV, Ascent eligible school
  • Meet the minimum credit score and income requirements

REPAYMENT OPTIONS

  • Interest-Only Repayment
  • Immediate Repayment
See repayment examples

TERMS*:

  • 5, 7, 10, 12 or 15-Years

(No penalty for early repayment)

Astronaut

Non-Cosigned

Credit-Based Loan

For students without a cosigner who qualify based on credit and minimum income

Variable* APR 9.46% - 15.44%
Fixed* APR 9.28% - 15.31%

ELIGIBILITY:

  • Enrolled at least half-time at an eligible school
  • Must be a U.S. citizen, U.S.permanent resident or have a Deferred Action for Childhood Arrival (DACA) status with a valid social security number
  • Must have at least 2 years of credit history and meet credit and minimum income requirements

REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*:

  • Deferred Repayment
  • Interest-Only Repayment
  • $25 Minimum Payment
  • Immediate Repayment*
See repayment examples

TERMS*:

  • 5, 7, 10, 12 or 15-Years

(No penalty for early repayment)

GRACE PERIOD:

  • Postpone full principal and interest payments up to 9-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status
Astronauts

Non-Cosigned

Outcomes-Based Loan

For juniors and seniors who meet our credit criteria

Variable* APR 13.45% - 15.35%
Fixed* APR 13.32% - 15.28%

ELIGIBILITY:

  • Enrolled as a junior or senior full-time OR half-time within 9-months of graduation at an eligible school
  • Must be a U.S. citizen, U.S. permanent resident or have a Deferred Action for Childhood Arrival (DACA) status with a valid social security number
  • Must maintain GPA of 3.0+ AND meet your school’s Satisfactory Academic Performance (SAP)

REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*:

  • Deferred Repayment
See repayment examples

TERMS*:

  • 10 or 15-Years

(No penalty for early repayment)

GRACE PERIOD:

  • Postpone full principal and interest payments up to 9-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status
MBA

MBA

Student Loans

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

Variable* APR 7.73% - 16.09%
Fixed* APR 5.29% - 15.96%

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:

REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*:

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

TERMS*:

  • 7, 10, 12 or 15-Years

(No penalty for early repayment)

GRACE PERIOD:

  • Postpone full principal and interest payments up to 9-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status

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 7.60% - 16.34%
Fixed* APR 5.29% - 15.96%

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:

REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*:

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

TERMS*:

  • 7, 10, 12, 15 or 20-Years

(No penalty for early repayment)

GRACE PERIOD:

  • Postpone full principal and interest payments up to 36-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status

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 7.73% - 16.34%
Fixed* APR 5.29% - 15.96%

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:

REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*:

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

TERMS*:

  • 7, 10, 12, 15 or 20-Years

(No penalty for early repayment)

GRACE PERIOD:

  • Postpone full principal and interest payments up to 12-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status

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 7.73% - 16.09%
Fixed* APR 5.29% - 15.96%

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:

REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*:

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

TERMS*:

  • 7, 10, 12 or 15-Years

(No penalty for early repayment)

GRACE PERIOD:

  • Postpone full principal and interest payments up to 9-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status

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 7.73% - 16.09%
Fixed* APR 5.29% - 15.96%

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:

REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*:

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

TERMS*:

  • 7, 10, 12 or 15-Years

(No penalty for early repayment)

GRACE PERIOD:

  • Postpone full principal and interest payments up to 9-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status

EXTENDED IN-SCHOOL PERIOD:

  • Maximum in-school period is 36 months
Astronaut with flag

Parent

Credit-Based Loan

For parents, grandparents, guardians, and sponsors with a student attending an eligible school

Variable* APR 6.23% - 16.59%
Fixed* APR 5.50% - 16.66%

ELIGIBILITY:

  • Must be a U.S. citizen or permanent resident
  • Must be a parent, grandparent, guardian, or sponsor with an eligible student who is enrolled less than half-time, half-time or full-time at a degree-granting, Title IV, Ascent eligible school
  • Meet the minimum credit score and income requirements

REPAYMENT OPTIONS

  • Interest-Only Repayment
  • Immediate Repayment
See repayment examples

TERMS*:

  • 5, 7, 10, 12 or 15-Years

(No penalty for early repayment)

Astronauts

Cosigned

Credit-Based Loan

For students with a creditworthy cosigner

Variable* APR 6.23% - 16.09%
Fixed* APR 4.29% - 15.96%

ELIGIBILITY:

  • Enrolled at least half-time at an eligible school
  • Must be a U.S. citizen, U.S. permanent resident or have a Deferred Action for Childhood Arrival (DACA) status
  • Must have an eligible cosigner who is a U.S. citizen or U.S. permanent resident
  • International students also may apply with a creditworthy cosigner who is a U.S. citizen or U.S. permanent resident. - See eligibility requirements.

REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*:

  • Deferred Repayment
  • Interest-Only Repayment
  • $25 Minimum Payment
  • Immediate Repayment*
See repayment examples

TERMS*:

  • 5, 7, 10, 12 or 15-Years

(No penalty for early repayment)

GRACE PERIOD:

  • Postpone full principal and interest payments up to 9-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status
Astronaut with flag

Parent

Credit-Based Loan

For parents, grandparents, guardians, and sponsors with a student attending an eligible school

Variable* APR 6.23% - 16.59%
Fixed* APR 5.50% - 16.66%

ELIGIBILITY:

  • Must be a U.S. citizen or permanent resident
  • Must be a parent, grandparent, guardian, or sponsor with an eligible student who is enrolled less than half-time, half-time or full-time at a degree-granting, Title IV, Ascent eligible school
  • Meet the minimum credit score and income requirements

REPAYMENT OPTIONS

  • Interest-Only Repayment
  • Immediate Repayment
See repayment examples

TERMS*:

  • 5, 7, 10, 12 or 15-Years

(No penalty for early repayment)

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

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Ready to fund your higher education journey?

Check your rates without impacting your credit score.

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Have questions about student loans?

We have answers.

Ascent Funding is an award-winning lender, committed to revolutionizing how you pay for higher education at colleges and coding bootcamps. Ascent empowers students from all economic backgrounds and disciplines (including DACA students) to maximize the return on their education with resources such as our Bright Futures Engine, Bootcamp Selector, and financial wellness tips. To set students up for success, we offer scholarships (over $80,000 this year) andexclusive benefits for students.

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, GPA, cost of attendance, and other factors that allow for undergraduate students to potentially obtain a Non-Cosigned Outcomes-Based 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.

Check out more FAQs