What are the credit requirements for Ascent’s college loans?

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.

  • Cosigned Credit-Based Loan for undergraduate and graduate students
    • Student borrowers must have a minimum credit score. The minimum score required is subject to change and may depend on the credit score of your cosigner.
    • Cosigners must have a minimum credit score. The minimum score required is subject to change and may depend on the credit score of your borrower.
  • Non-Cosigned Credit-Based Loan for undergraduate and graduate students
    • Student borrowers must have more than two (2) years of credit history with a minimum credit score.
  • Non-Cosigned Outcomes-Based Loan for undergraduate (juniors and seniors ONLY)
Eligible student borrowers with no credit score, or eligible students that meet a minimum credit score with or without two (2) years of credit history. (See Non-Cosigned Outcomes-Based Loan eligibility requirements.)
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*Annual Percentage Rate; See rates and repayment examples