We’re proud to provide award-winning loans for lifelong learners.
Ascent's Student Loans
Ascent helps you cover up to 100% of your cost of attendance and other school-related expenses (up to $200,000*) at over 2,200 colleges nationwide by offering loans for students.
*The final amount approved depends on the borrower’s credit history, verifiable cost of attendance, and is subject to credit approval and verification of application information.
Cosigned
Credit-Based Loan
For students with a creditworthy cosigner (For U.S. citizens, DACA & international students)
ELIGIBILITY*:
- Enrolled at least half-time
- Must be a U.S. citizen with an eligible cosigner who is a U.S. citizen or permanent resident
- International students and students with a Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident.
LOAN AMOUNTS:
- $2,001 - $200,000
($200,000 aggregate total)
TERMS*:
- 5, 7, 10, 12 or 15-Years
(No penalty for early repayment)
REPAYMENT OPTIONS*:
- Deferred Repayment: Start payments up to 9 months after leaving school
- In School Interest-Only Repayment
- $25 Minimum Payment
Non-Cosigned
Credit-Based Loan
For students that qualify based on income & credit (Must be a U.S. citizen or and DACA student)
ELIGIBILITY*:
- Enrolled at least half-time
- Must be a U.S. citizen or permanent resident and DACA student
- Must have at least 2 years of credit history and meet credit and income requirements
LOAN AMOUNTS:
- $2,001 - $200,000
($200,000 aggregate total)
TERMS*:
- 5, 7, 10, 12 or 15-Years
(No penalty for early repayment)
REPAYMENT OPTIONS*:
- Deferred Repayment: Start payments up to 9 months after leaving school
- In School Interest-Only Repayment
- $25 Minimum Payment
Non-Cosigned
Outcomes-Based Loan
For juniors & seniors with a 2.9+ GPA & no credit score**
**NOTE: No score means insufficient credit history to produce a score. If you have a score it must meet a minimum score requirements.
ELIGIBILITY*:
- Enrolled full-time OR graduating within the next 9 months
- Maintain GPA of 2.9+ AND meet your school’s satisfactory academic performance (SAP)
- Must be a U.S. citizen or permanent resident
LOAN AMOUNTS:
- $2,001 - $200,000
($200,000 aggregate total)
TERMS*:
- 10 or 15-Years
(No penalty for early repayment)
REPAYMENT OPTIONS*:
- Deferred Repayment: Start payments up to 9 months after leaving school
MBA
Student Loans
For graduate students persuing their MBA with or without a cosigner.
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:
- 1% Cash Back Graduation Reward
- Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
TERMS*:
- 7, 10, 12 or 15-Years
REPAYMENT OPTIONS*:
- Deferred Repayment: Start payments up to 9 months after leaving school
- In School Interest-Only Repayment
- $25 Minimum Payment
GRACE PERIOD:
- Postpone payments up to 9 months after graduation
EXTENDED IN-SCHOOL PERIOD:
- Maximum in-school period is 36 months
Medical School
Student Loans
For graduate students persuing their MD, DO, DVM, VMD, or DPM with or without a cosigner.
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:
- 1% Cash Back Graduation Reward
- Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
TERMS*:
- 7, 10, 12, 15, or 20-Years
REPAYMENT OPTIONS*:
- Deferred Repayment: Start payments up to 36 months after leaving school
- In School Interest-Only Repayment
- $25 Minimum Payment
GRACE PERIOD:
- Postpone payments up to 36 months after graduation
EXTENDED IN-SCHOOL PERIOD:
- Maximum in-school period is 48 months
Dental School
Student Loans
For graduate students persuing their DMD or DDS with or without a cosigner.
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:
- 1% Cash Back Graduation Reward
- Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
TERMS*:
- 7, 10, 12, 15 or 20-Years
REPAYMENT OPTIONS*:
- Deferred Repayment: Start payments up to 12 months after leaving school
- In School Interest-Only Repayment
- $25 Minimum Payment
GRACE PERIOD:
- Postpone payments up to 12 months after graduation
EXTENDED IN-SCHOOL PERIOD:
- Maximum in-school period is 48 months
Law School
Student Loans
For graduate students persuing their JD or LLM with or without a cosigner.
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:
- 1% Cash Back Graduation Reward
- Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
TERMS*:
- 7, 10, 12 or 15-Years
REPAYMENT OPTIONS*:
- Deferred Repayment: Start payments up to 9 months after leaving school
- In School Interest-Only Repayment
- $25 Minimum Payment
GRACE PERIOD:
- Postpone payments up to 9 months after graduation
EXTENDED IN-SCHOOL PERIOD:
- Maximum in-school period is 36 months
General Graduate
Student Loans
For graduate students persuing their MA, MS, PhD, or other graduate school programs with or without a cosigner.
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:
- 1% Cash Back Graduation Reward
- Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
TERMS*:
- 7, 10, 12 or 15-Years
REPAYMENT OPTIONS*:
- Deferred Repayment: Start payments up to 9 months after leaving school
- In School Interest-Only Repayment
- $25 Minimum Payment
GRACE PERIOD:
- Postpone payments up to 9 months after graduation
EXTENDED IN-SCHOOL PERIOD:
- Maximum in-school period is 36 months
*Rates displayed above are effective as of 10/01/2022 and reflect an Automatic Payment Discount of 0.25% for credit-based loans and a 1.00% discount on outcomes-based loans when you enroll in automatic payments. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.
Lowest APRs require interest-only payments, the shortest loan term, and a cosigner, and are only available to our most creditworthy applicants and cosigners with the highest average credit scores.
Tips & tools for financial success
To help you borrow responsibly, we incorporate financial wellness into our student loan application process and give you exclusive access to tips and resources to prepare you for financial success in college and after graduation.
Resources
Student Loans 101 What is Financial Wellness? 4 Student Loan Tips for College Grads More ›What are others saying about Ascent?
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.
They talked to me and helped me out in the most possible way. They made sure I got the most that I possibly could.
Ascent was great because they were able to answer all of my questions. They made getting to college a lot easier for me.
Being young I don’t have a strong credit history. Ascent made it possible for me to have my own loan without the help of others – I’m thankful I found them.
Have questions about Ascent’s undergraduate loans?
We have answers.
Ascent is an innovative private student loan program that provides access to higher education funding for an expanded population of undergraduate and graduate students, while encouraging the financial wellness of students and their families. We advocate awareness of the potential financial outcomes of your higher education choices (school, major, years in school, financing your education), helping you visualize where your career could go and what it could be – encouraging better decisions today to open up greater future opportunities.
Ascent offers loan products to help undergraduate and graduate students pay for higher education.
- Undergraduate students have the option to apply for a Cosigned Credit-Based Loan, Non-Cosigned Credit-Based Loan or Non-Cosigned Outcomes-Based Loan (for eligible juniors and seniors – see eligibility requirements.)
- Graduate students have the option to apply for a Cosigned Credit-Based Loan or Non-Cosigned Credit-Based Loan. Ascent created customized repayment terms for:
- Business School (MBA)
- Dental School (DMD, DDS)
- Law School (JD, LLM)
- Medical School (MD, DO, DVM, VMD, DPM)
- General Graduate School (Health Professionals, Nursing, Pharmacy, MA, MS, PhD, etc.)
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, cost of attendance, and other factors that allow for students to potentially obtain a 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.