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

  • If you are an undergraduate student borrower without a cosigner AND have less than two (2) years of credit history, OR any student borrower with a cosigner:
    • There is no minimum income requirement. See NOTE below.
  • If you are a student borrower without a cosigner and have at least two (2) years of credit history.
    • You will be tested against the following criteria to determine your eligibility for the most favorable rates and terms available:
      • Minimum gross annual income of $24,000
      • Must meet a monthly debt-to-income (DTI) ratio
  • If you are a cosigner:
    • Must meet a minimum gross annual income of $24,000
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*Annual Percentage Rate; See rates and repayment examples