Is there a penalty or fee if I pay off my college loan before the repayment term ends?

No. With Ascent's college loans, you will not incur any fees or penalties if you prepay your loan (either in whole or in part) before the repayment term ends.
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Time’s Ticking! ⏰ Take advantage of new lower rates on college student loans from 3.79% to 15.86% APR*

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*Annual Percentage Rate; See rates and repayment examples