has joined the Ascent family!

Skills Fund & Ascent will both operate under the Ascent brand and are committed to delivering affordable loan options to millions of underserved students.

Ascent can help international & DACA undergraduate and graduate students with a cosigner. See your pre-qualified rate in 4 simple steps – No application fees.

 

 

See My Rates

(Check your rate without impacting your credit score.)

NOTE: Students that don’t reside in the United States or U.S. territories will be required to provide evidence they will be living and attending school in the U.S. We’re unable to fund students taking classes outside of the U.S. See requirements »

Undergraduate Cosigned

Credit-Based Loans

For students with a creditworthy cosigner
(For U.S. citizens, DACA & international students)


2.14% – 12.37%


3.43% – 14.00%

  • Enrolled at least half-time
  • Must be a U.S. citizen with an eligible cosigner who is a U.S. citizen or permanent resident
  • International students and students with a Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

  • 5, 7, 10, 12 or 15-Years

  • Deferred Repayment: Start payments up to 9 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

MBA Cosigned

Credit-Based Loans

For DACA & international graduate students pursuing their MBA with a cosigner.


2.17% – 11.87%


3.49% – 13.50%

  • Enrolled at least half-time
  • International students and students with a Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

  • 7, 10, 12 or 15-Years

  • Postpone payments up to 9 months after graduation

  • Maximum in-school period is 36 months

  • Deferred Repayment: Start payments up to 9 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

Med School Cosigned

Credit-Based Loans

For DACA & international graduate students pursuing their MD, DO, DVM, VMD, or DPM with a cosigner.


2.11% – 11.86%


3.35% – 13.50%

  • Enrolled at least half-time
  • International students and students with a Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

  • 7, 10, 12, 15 or 20-Years

  • Postpone payments up to 36 months after graduation

  • Maximum in-school period is 48 months

  • Deferred Repayment: Start payments up to 9 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

Dental School Cosigned

Credit-Based Loans

For DACA & international graduate students pursuing their DMD or DDS with a cosigner.


2.15% – 11.86%


3.43% – 13.50%

  • Enrolled at least half-time
  • International students and students with a Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

  • 7, 10, 12, 15 or 20-Years

  • Postpone payments up to 12 months after graduation

  • Maximum in-school period is 48 months

  • Deferred Repayment: Start payments up to 9 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

Law School Cosigned

Credit-Based Loans


2.17% – 11.87%


3.49% – 13.50%

  • Enrolled at least half-time
  • International students and students with a Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

  • 7, 10, 12 or 15-Years

  • Postpone payments up to 9 months after graduation

  • Maximum in-school period is 36 months

  • Deferred Repayment: Start payments up to 9 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

General Graduate School Cosigned

Credit-Based Loans

For DACA & international graduate students pursuing their MA, MS, PhD, or other graduate school programs with a cosigner.


2.17% – 11.87%


3.49% – 13.50%

  • Enrolled at least half-time
  • International students and students with a Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

  • 7, 10, 12 or 15-Years

  • Postpone payments up to 9 months after graduation

  • Maximum in-school period is 36 months

  • Deferred Repayment: Start payments up to 9 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

*Rates displayed above are effective as of 04/01/2021 and reflect an Automatic Payment Discount of 0.25% on credit-based loans when you enroll in automatic payments. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.
**1% Cash Back Graduation Reward subject to terms and conditions, click here for details.

Am I eligible with a cosigner?

Yes. A student who is not a U.S. citizen or U.S. permanent resident or has Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or U.S. permanent resident.

Non-U.S. citizens are required to upload the following documentation to verify identity as applicable to your individual resident status:

  1. U.S. Permanent Resident Aliens: Permanent Resident Card (USCIS form I‐551); or
  2. Non-Permanent Resident Aliens (temporary residents): Valid visa – acceptable forms: F-1; J-1, M-1; E-1; H-1; L-1; G series; TN-1; TN-2; OR I-20 Form (pages 1 & 2 signed) AND Unexpired Passport from country of origin; and,

In addition to 1. or 2. above, applicants must upload the following:
a. Unexpired foreign passport; and
b. A copy of government issued document or identification that includes your national identification number. NOTE – For countries that include the national identification number on the passport, confirmation therein is sufficient.

  1. DACA status: Documentation from the U.S. Department of Homeland Security / U.S. Citizenship and Immigration Services (USCIS) that indicates DACA status that does not expire before the end of the enrollment period for which the loan is being requested.

How it works
4 simple steps –
NO application fees.

Check your pre-qualified rates without impacting your credit score.

Have questions about private student loans for DACA and international students?
We’ve got answers.

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:



What is Ascent?
Ascent is an innovative private student loan program that provides access to higher education funding for an expanded population of undergraduate and graduate students, while encouraging the financial wellness of students and their families. We advocate awareness of the potential financial outcomes of your higher education choices (school, major, years in school, financing your education), helping you visualize where your career could go and what it could be – encouraging better decisions today to open up greater future opportunities.
What loans can ascent offer to DACA and international students?
Ascent offers loan products to help DACA and international undergraduate and graduate students pay for college.

  • International undergraduate students have the option to apply for a Cosigned Credit-Based Loan
  • International graduate students have the option to apply for a Cosigned Credit-Based Loan. Ascent created customized repayment terms for:
    • Business School (MBA)
    • Dental School (DMD, DDS)
    • Law School (JD, LLM)
    • Medical School (MD, DO, DVM, VMD, DPM)
    • General Graduate School (Health Professionals, Nursing, Pharmacy, MA, MS, PhD, etc.)

Do I need a cosigner if I am a DACA or international student?
Yes. Students that have Deferred Action for Childhood Arrival (DACA)  status or are not a U.S. citizen or U.S. permanent resident may apply with a creditworthy cosigner that is a U.S. citizen or U.S. permanent resident.

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.

  • Your cosigner must:
    • Be a U.S. citizen or U.S. permanent resident.
    • Have a minimum credit score. The minimum score required is subject to change and may depend on the credit score of your borrower.
    • Minimum gross annual income of $24,000 for the current and previous year; and
    • Must submit satisfactory proof-of-income.

Tips & tools for financial success

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 »

Ascent is recognized as a leading national private student loan program for cosigned and non-cosigned loans