Grad School Funding Calculator
Understand how changes to Grad PLUS affect you and how you will pay for your graduate program
This student loan calculator is here to help you explore your options and learn more about how loans work. The numbers you see are just estimates based on what you enter—they're not financial advice, a loan offer, or a guarantee of actual terms. Real loan details like interest rates, monthly payments, and repayment schedules can vary depending on your lender, your credit, and the law. If you're looking at federal student loans, keep in mind that programs like income-driven repayment plans, Public Service Loan Forgiveness, and other benefits aren't included in these estimates. For official info on federal loans, check out studentaid.gov. Use this tool as a starting point, not the final word. For personalized guidance or official loan terms, talk to your lender or a qualified financial advisor.
Loans subject to individual approval, restrictions and conditions apply. See Terms and Conditions at AscentFunding.com/Rates and AscentFunding.com/Ts&Cs. Loan features and information advertised are intended for college student loans and are subject to change at any time.
*Annual Percentage Rates (APRs) displayed above are effective as of 03/01/2026 and reflect an Automatic Payment Discount of 0.25% on credit-based college student loans submitted prior to 06/01/2025, a 0.5% discount on credit-based college student loans submitted on or after 06/01/2025, and a 1.00% discount on outcomes-based college student loans when you enroll in automatic payments. Loans subject to individual approval, restrictions and conditions apply. Loan features and information advertised are intended for college student loans and are subject to change at any time. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions. The final amount approved depends on the borrower's credit history, verifiable cost of attendance as certified by an eligible school and is subject to credit approval and verification of application information. Lowest interest rates require full principal and interest (Immediate) payments, the shortest loan term, a cosigner, and are only available for our most creditworthy applicants and cosigners with the highest average credit scores. Actual APR offered may be higher or lower than the examples above, based on the amount of time you spend in school and any grace period you have before repayment begins. Variable rates may increase after consummation.
**Over 168,000 borrowers took out an Ascent loan for college or career training tuition or expenses between January 2018 and November 2025.
1Ascent's 1% Cash Back Graduation Reward is for eligible college students only and subject to terms and conditions. Eligible students must request the graduation reward from Ascent. Learn more at AscentFunding.com/CashBack. 1% Cash Back Reward amount dependent upon total loan amount for Ascent college loan borrowers; approximately $365 average reward amount based upon eligible borrowers who received Cash Back Rewards in 2023. Aggregate cash back limit of $500.
2Only Ascent college loans are eligible for no fees. Ascent career training loans are subject to a one-time origination fee of 5.0% of the loan amount. All Ascent loans are eligible for no application, disbursement, late, NSF or early payment fees.
3Impact to score may vary. For some, scores may not improve. Results will depend on many factors, including on-time payment history, the status of non-Ascent accounts, and other financial history.
4The final ACH discount approved depends on the borrower's credit history, verifiable cost of attendance, and is subject to credit approval and verification of application information. Automatic Payment Discount consists of 0.25% for credit-based college student loans submitted prior to 06/01/2025, 0.5% for credit-based college student loans submitted on or after 06/01/2025, and a 1.00% discount on outcomes-based college student loans when you enroll in automatic payments. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.
Although data displayed by Ascent's Gradschool Funding Calculator has been produced and processed from sources believed to be reliable, no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, or reliability of any information. Ascent's Gradschool Funding Calculator is provided to you on an "AS IS" and "AS AVAILABLE" basis, with all faults and without warranty of any kind, and Ascent hereby expressly disclaims all warranties, express, implied, or statutory, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, or non-infringement.
