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Undergraduate Loans
Graduate Loans
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Cosigned

Credit-Based Loans

For students with a creditworthy cosigner
(For U.S. citizens, DACA & international students)


3.04% – 11.55%


4.12% – 14.27%

 

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  • Enrolled at least half-time
  • Must be a U.S. citizen or have Deferred Action for Childhood Arrival (DACA) status with 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

  • 5, 7, 10, 12 or 15-Years

  • 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**
(Must be a U.S. citizen or permanent resident or DACA recipient)


10.71% – 12.89%


12.79% – 13.43%

 

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**NOTE: No score means insufficient credit history to produce a score. If you have a score it must meet a minimum score required.

  • 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 or have Deferred Action for Childhood Arrival (DACA) status

  • 10 or 15-Years

  • Deferred Repayment: Start payments up to 9 months after leaving school.

Non-Cosigned

Credit-Based Loan

For students that qualify based on income & credit
(Must be a U.S. citizen or permanent resident or DACA recipient)


7.44% – 13.30%


9.50% – 14.75%

 

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  • Enrolled at least half-time
  • Must be a U.S. citizen or permanent resident or have Deferred Action for Childhood Arrival (DACA) status
  • Must have at least 2 years of credit history and meet credit and income requirements

  • 5, 7, 10, 12 or 15-Years

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

MBA

Student Loans

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


4.04% – 13.30%


5.12% – 14.75%

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  • 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

  • 7, 10, 12 or 15-Years

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

  • Postpone payments up to 9 months after graduation

  • Maximum in-school period is 36 months

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Medical School

Student Loans

For graduate students persuing their MD, DO, DVM, VMD, or DPM with or without a cosigner.


4.04% – 13.29%


5.04% – 14.75%

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  • Enrolled at least half-time
  • Must be a U.S. citizen or have Deferred Action for Childhood Arrival (DACA) status with or without a with a creditworthy 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

  • 7, 10, 12, 15 or 20-Years

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

  • Postpone payments up to 36 months after graduation

  • Maximum in-school period is 48 months

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Dental School

Student Loans

For graduate students persuing their DMD or DDS with or without a cosigner.


4.04% – 13.30%


5.12% – 14.75%

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  • 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

  • 7, 10, 12, 15 or 20-Years

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

  • Postpone payments up to 12 months after graduation

  • Maximum in-school period is 48 months

Check your rates without impacting your credit score.

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Law School

Student Loans

For graduate students persuing their JD or LLM with or without a cosigner.


4.04% – 13.30%


5.12% – 14.75%

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  • 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

  • 7, 10, 12 or 15-Years

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

  • Postpone payments up to 9 months after graduation

  • Maximum in-school period is 36 months

Check your rates without impacting your credit score.

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General Graduate

Student Loans

For graduate students persuing their MA, MS, PhD, or other graduate school programs with or without a cosigner.


4.04% – 13.30%


5.12% – 14.75%

View Details

  • 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

  • 7, 10, 12 or 15-Years

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

  • Postpone payments up to 9 months after graduation

  • Maximum in-school period is 36 months

Check your rates without impacting your credit score.

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*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.
** 1% Cash Back Graduation Reward subject to terms and conditions, click here for details.

How we help students

We’re honored to be recognized as the best private student loan for 2021.

Forbes Best Private Student Loans 2021 award
Nerdwallet Best-Of Awards for college loans 2021
Editor's choice award badge for best loan by badcredit.org

 

Ascent stands out for its range of payment reduction and postponement options, rare among private lenders. Borrowers can choose a graduated repayment plan, which provides a lower monthly payment to start that increases over time.” Read more

- Forbes Advisor
Best Private Student Loan 2021

 

We are recognizing Ascent with our Editor’s Choice™ Award as Top Private Student Loan Provider thanks to the company’s student-focused efforts and innovative loan options. ” Read more

- BadCredit.org
Editor’s Choice™ Award 2021

 

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.

Anjellica C.
Northern Arizona University

 

They talked to me and helped me out in the most possible way. They made sure I got the most that I possibly could.

 

Rnajee M.
Mississippi State University

 

Ascent was great because they were able to answer all of my questions. They made getting to college a lot easier for me.

 

Grace G.
Simmons College

Tips & tools for financial success

Don't lose your financial freedom before you have the chance to earn it! To help you borrow responsibly, we incorporate financial wellness into our application process and give you exclusive access to tools and content to help you get set for greater financial success. Financial Wellness Tips »

Helpful Tips

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Have questions about private student loans?
We’ve got answers.


What is Ascent?
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.
What types of private student loans does Ascent offer?
Ascent offers loan products to help undergraduate and graduate students pay for higher education.

Why should I choose an Ascent loan?
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.
Do I need a cosigner?
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.

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College Loan

For students seeking their undergraduate or graduate degree from a university or college.

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Bootcamp Loan

For students attending a coding bootcamp school pursuing a degree in technology, professional training, or licensure training.

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