Check your pre-qualified rates without impacting your credit score.
Student borrowers with no credit score**, as well as student borrowers that pass the minimum credit requirements but don’t meet the income or repayment capacity requirements may qualify on the basis of several alternative factors which may include: school, program, graduation date, major, GPA, cost of attendance, and other factors that could allow for students to obtain a non-cosigned future income-based private student loan in their own name. Such borrowers must:
**NOTE: No score means insufficient credit history to produce a score. If you have a score it must meet a minimum score required.
You may pre-qualify for a student loan without a cosigner and build credit in your own name.
Choose from affordable fixed or variable rate, customize your repayment terms, and pay off your loan early without any penalty.
Ascent offers private student loans without a cosigner at competitive rates.
7.00% - 14.00%*Non-Cosigned Future Income-Based:
10.27% - 14.50%*
5.84% - 12.37%*Non-Cosigned Future Income-Based:
8.94% - 12.94%*
*Rates displayed above are effective as of 04/01/2021 and reflect an Automatic Payment Discount of 0.25% (for Credit-Based Loans) on the lowest offered rate and a 2.00% (for Undergraduate Future Income-Based Loans) discount on the highest offered rate. For more information, see repayment examples and review the Automatic Payment Discount Terms and Conditions.
Flexible 5, 7, 10, 12 or 15-year repayment terms. There’s no penalty for early repayment.NOTE: Ascent borrowers who choose a non-cosigned future income-based loan option with a fixed rate may ONLY select a 10-year loan term. For certain loans with low balances, the minimum monthly payment amount may cause the loan amortization schedule to be less than the selected term.
Deferred Repayment: Start payments up to 9 months after leaving school. Ascent repayment examples.
Maximum: $200,000 (aggregate)
Maximum for academic year:: $200,000 for credit-based loans; $20,000 for non-cosigned future income-based loans
Don’t lose your financial freedom before you have the chance to earn it! To help you borrow responsibly, we incorporate financial wellness into our application process and give you exclusive access to tools and content to help you get set for greater financial success. Financial Wellness Tips »
From your first application to your final payment, we’re committed to helping you every step of the way. Our 100% U.S.-based Ascent Customer Service team is here for you. Call us toll-free at 877-216-0876，email us at [email protected], or check out our top FAQs below:
If you are a student borrower without a cosigner and have at least 2 years credit and make a gross annual income of $24,000:
NOTE – Ascent applicants without a cosigner AND less than two (2) years of non-student loan credit history are not tested against any minimum current annual income criteria. Instead, they are evaluated based on their school of attendance, program, major, GPA and other criteria that does not consider current annual income.
Being young I don’t have a strong credit history. Ascent made it possible for me to have my own loan without the help of others - I’m thankful I found them.
Western Washington University
It was the only decent loan provider that would except a non-cosigned loan. My loan manager helped a lot.
Texas A&M University
Ascent gave me the option to take on a loan by myself and at a decent interest rate for what my circumstances were.