UniCreds has partnered with Ascent to help international undergraduate and graduate students with a cosigner.

See your pre‑qualified rate in 4 simple steps – No application fees.

See My Rates
NOTE: Students that don’t reside in the United States or U.S. territories will be required to provide evidence they will be living and attending school in the U.S. We’re unable to fund students taking classes outside of the U.S.

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

Best international student loan award for Ascent

Undergraduate Cosigned

Credit-Based Loans

For students with a creditworthy cosigner
(For U.S. citizens & International students)

Variable* APR:
5.98% – 15.63%

Fixed* APR:
4.48% – 15.27%

View Details

Eligibility*:

Enrolled at least half-time
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*:

5, 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

MBA Cosigned

Credit-Based Loans

For international graduate students pursuing their MBA with a cosigner.

Variable* APR:
6.99% – 15.88%

Fixed* APR:
5.48% – 15.52%

View Details

Eligibility*:

Enrolled at least half-time
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

Grace Period:

Postpone payments up to 9 months after graduation

Extended In-School Period:

Maximum in-school period is 36 months

Repayment Options*:

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

Med School Cosigned

Credit-Based Loans

For international graduate students pursuing their MD, DO, DVM, VMD, or DPM with a cosigner.

Variable* APR:
6.53% – 15.88%

Fixed* APR:
5.33% – 15.52%

View Details

Eligibility*:

Enrolled at least half-time
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

Grace Period:

Postpone payments up to 36 months after graduation

Extended In-School Period:

Maximum in-school period is 48 months

Repayment Options*:

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

Dental School Cosigned

Credit-Based Loans

For international graduate students pursuing their DMD or DDS with a cosigner.

Variable* APR:
6.85% – 15.88%

Fixed* APR:
5.48% – 15.52%

View Details

Eligibility*:

Enrolled at least half-time
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

Grace Period:

Postpone payments up to 12 months after graduation

Extended In-School Period:

Maximum in-school period is 48 months

Repayment Options*:

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

Law School Cosigned

Credit-Based Loans

For international graduate students pursuing their law degree with a cosigner.

Variable* APR:
6.99% – 15.88%

Fixed* APR:
5.48% – 15.52%

View Details

Eligibility*:

Enrolled at least half-time
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

Grace Period:

Postpone payments up to 9 months after graduation

Extended In-School Period:

Maximum in-school period is 36 months

Repayment Options*:

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

General Graduate School Cosigned

Credit-Based Loans

For international students seeking graduate loans for degree programs in allied health, nursing, pharmacy, PhD programs, and other advanced graduate degrees (MA, MS) with a cosigner.

Variable* APR:
6.99% – 15.88%

Fixed* APR:
5.48% – 15.52%

View Details

Eligibility*:

Enrolled at least half-time
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

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

Grace Period:

Postpone payments up to 9 months after graduation

Extended In-School Period:

Maximum in-school period is 36 months

Repayment Options*:

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

*Rates displayed above are effective as of 06/01/2023 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.

Am I eligible with a cosigner?

Yes. Individuals may apply as a borrower or cosigner based on their citizenship status as follows:

U.S. Permanent Residents – as a solo borrower, as a cosigner or as a borrower with a qualified cosigner.
Deferred Action for Childhood Arrival (DACA) status – as a solo borrower or as a borrower with a qualified cosigner.
U.S. Temporary Residents – as a borrower with a qualified cosigner only.

Documentation requirements: The following are documentation will be required to verify your individual resident status:

For U.S. Permanent Residents: Provide a Permanent Resident Card.
For DACA status: Provide documentation from the U.S. Department of Homeland Security / U.S. Citizenship and Immigration Services (USCIS) that indicates DACA status that does not expire within 6-months of the end of the enrollment period for which the loan is being requested.
For U.S. Temporary Residents:
A VISA that does not expire within 6-months of the end of the enrollment period for which the loan is being requested. with an acceptable category as follows: F-1, F-3, G Series, H-1B, H-1C, H-3, J-1, L-1, M-1, M-3, T-1, TN
OR
An I-20 Form (pages 1 & 2 and signed by the school) and an unexpired passport from country of origin.

How it works
4 simple steps –
NO application fees.

Check your pre-qualified rates without impacting your credit score.

See your pre-qualified rates
Customize your loan on your terms
Upload your documents
Get that money – if approved & certified

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

From your first application to your final payment, we’re committed to helping you every step of the way. Our 100% U.S.-based Ascent Customer Service team is here for you. Call us toll-free at 877-216-0876，email us at [email protected], or check out our top FAQs below:

Who is Ascent?

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) and exclusive benefits for students.

What loans can Ascent offer to international students?

Ascent offers loan products to help international undergraduate and graduate students pay for college.

International undergraduate students have the option to apply for a Cosigned Credit-Based Loan
International graduate students have the option to apply for a 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.)

Do I need a cosigner if I am an international student?

Yes. 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.

Ascent’s credit decisioning criteria is proprietary and subject to change, but you can check what rates you pre-qualify for in just four (4) steps without impacting your credit score. We consider credit history and several other factors including, but not limited to, credit score.

Your cosigner must:
- Be a U.S. citizen or U.S. permanent resident.
- Have a minimum credit score. The minimum score required is subject to change and may depend on the credit score of your borrower.
- Minimum gross annual income of $24,000 for the current and previous year; and
- Must submit satisfactory proof-of-income.

Check out more FAQs »

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

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.

Nikara M.
Western Washington University

It was the only decent loan provider that would except a non-cosigned loan. My loan manager helped a lot.

Robert C.
Texas A&M University

Ascent gave me the option to take on a loan by myself and at a decent interest rate for what my circumstances were.

Tyler P.
Keiser University

UniCreds has partnered with Ascent to help international undergraduate and graduate students with a cosigner.

See your pre‑qualified rate in 4 simple steps – No application fees.

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

Undergraduate Cosigned

Credit-Based Loans

MBA Cosigned

Credit-Based Loans

Med School Cosigned

Credit-Based Loans

Dental School Cosigned

Credit-Based Loans

Law School Cosigned

Credit-Based Loans

General Graduate School Cosigned

Credit-Based Loans

Am I eligible with a cosigner?

How it works 4 simple steps – NO application fees.

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

Tips & tools for financial success

Helpful tips

What type of loan are you looking for?

College Loan

Bootcamp Loan

How it works
4 simple steps –
NO application fees.

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