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Flexible repayment options
Ascent offers 40 repayment options across its co-signed and non-cosigned college undergraduate, graduate, and parent loans.
Ascent Private Student Loans
Parents and students choose Ascent over PNC
Ascent offers student loans with rates starting at 3.09% APR*, more repayment options, no fees, and a powerful combination of benefits.
Get pre-approved in under 3 minutes without impacting your credit score.
No fees
Breathe easier with absolutely no fees on college loans – no late fees, application fees, origination fees, NSF fees, or disbursement fees.
Job & internship support
Gain access to paid remote internship opportunities and resources for budgeting, school support, and career readiness through AscentUP2.
How Ascent outshines competitors, like PNC
Unlike other lenders, our priority is the success of our borrowers. That’s why Ascent offers more flexible repayment options, competitive interest rates, and personalized help so you can navigate your education and career path along the way.
We've lowered our college loan rates
*Ascent’s undergraduate and graduate student loans are funded by Bank of Lake Mills or DR Bank, each Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations, terms and conditions may apply for Ascent's Terms and Conditions please visit: AscentFunding.com/Ts&Cs. Annual Percentage Rates (APRs) displayed above are effective as of 7/1/2025 and reflect an Automatic Payment Discount of .5%. Automatic Payment Discounts offered include a 0.25% on credit-based college student loans submitted prior to 6/1/2025, a 0.5% discount for on credit-based college student loans submitted on or after 6/1/2025, and a 1.00% discount on outcomes-based 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.
We go beyond just providing loans
115,000+
people have used an Ascent loan to pay for school**
82%
of credit-based college loan borrowers increased their credit score5
1.2 million+
minutes of financial wellness education accessed
$355,000+
in scholarships awarded by Ascent since 2020
Possibly the easiest process I have ever gone through in order to secure a loan.
★★★★★
Vincent B.Everyone was so helpful and nice to work with! Being a first generational College student picking a loan was scary and nerve wracking! but they made it so easy!
★★★★★
Natalie G.I've had such a struggle finding a loan and Ascent made it so simple. Not only was the process a weight lifted off my shoulders, but also ensured that I understood more about loans in general.
★★★★★
Emily S.
Resources for college students and families
- Ultimate Guide to Paying for College: Free course on college finances
- Monthly scholarship opportunities for students and parents
- Ascent Blog: Insights and advice for student life and finance
