Medical School Loans - Ascent Funding

rates starting at 2.19% APR^*

5.0/5.0

Recognized by

5.0/5.0

4.5/5.0

220,000+ people funded^*

Medical school loan rates

Borrow up to $400,000 for your MD, DO, DVM, VMD, or DPM program.

Fixed Rates

2.69% - 16.76% APR

Variable Rates

3.64% - 15.80% APR

When federal loans fall short, Ascent has your back

Get the funding you need with no fees, transparent terms, and predictable payments on graduate loans. We’ve been helping students fill funding gaps for 10 years, and everything we do aims to support your long‑term goals.

No fees

Save more with zero fees on medical school loans

Easy repayment

Postpone payments for up to 7 years so you can focus on your training²

Quick process

Pay your tuition, fees, and expenses so you can keep moving forward

More access

Options for cosigned and non-cosigned, DACA, and international students

Repay on your schedule

Make repayment work for you. Ascent’s options allow you to ease the transition into residency, with the flexibility to pay more later as your income grows. Postpone full principal & interest payments for up to 7 years post-graduation², or make early payments without fees or penalties.

Plus, get a 0.5% discount on your interest rate by using Autopay².

Choose how you want to pay

Deferred Repayment

Defer payments in school & 36-month grace period after graduation.
$25 Minimum Repayment

Make small payments in school & 36-month grace period after graduation.
Interest-Only Repayment

Make larger payments in school & 36-month grace period after graduation.
Immediate Repayment

Start making full payments right away.

Once your grace period ends, you can use up to 48 months of additional deferment for any specialized residency program². View repayment examples or apply now to see your customized rate & repayment options.

A smarter way to finance medical school

We don’t just fund your loan, we care about helping you achieve a stable financial future. Ascent provides financial literacy support, flexible repayment options, no fees, and a quick, straightforward application with financing you can count on.

Ascent has made me feel like I can actually go to school with no stress and no strings attached. My experience with them so far has made me feel like they put education first and foremost. Thank you!

Mathew M.

This is the best student lending organization available! The application, approval, disbursement, and repayment are completely stress-free. I would recommend it a million times! The Ascent team is just superb.

Billy O.

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.

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Get pre-qualified in minutes, choose your repayment plan, and stay focused on your future

Applying for an Ascent private student loan for graduate school is fast and simple.

No Surprises

Preview your rate & options without affecting your credit. We keep it simple with clear terms & no fees on medical school loans.

Smart Options

Choose a repayment plan that fits your timeline. Plus, get a 0.5% discount on your interest rate by using Autopay¹.

college students laughing and talking outside

Extra Support

Get your questions answered and meet your goals with access to friendly, expert help on academic, career, and finance essentials.

See your rates and repayment options

Check your rates without impacting your credit score.

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 Ascent college student loans and are subject to change at any time. Ascent college loans include both undergraduate and graduate loans.

^*Annual Percentage Rates (APRs) displayed above are effective as of 08/15/2026 and reflect an Automatic Payment Discount of 0.5% on credit-based college student loans, 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 220,000 borrowers took out an Ascent loan for college or career training tuition or expenses between January 2018 and March 2026.

¹The 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.

²Loans subject to individual approval, restrictions and conditions apply. Loan features and information advertised are intended for graduate 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.

Private Student Loans Designed for Medical School

You’ve worked hard enough to get into medical school. Fill your funding gaps with straightforward financing and a flexible repayment plan that fits your timeline.