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 if you decide to apply for student loans with a 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.)