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Earn a $400 Gift Card when you refer a friend to Ascent

Know other college students or parents looking to pay for college? Share your referral code within your community to earn a reward.

$82,000 earned in rewards so far!


Get started in just 3 easy steps.

  • 01 Sign in or create an account.
  • 02 Get your custom referral link.
  • 03 Start sharing your referral link!
Start Earning
  • referral - create your account
  • referral code
  • Share Referral Code
How you earn a referral reward Giftcard

How to start earning:

  • Your friend applies for an Ascent loan using your link
  • Once your friend’s loan is funded and disbursed, you and your friend each earn a $400 Gift Card

What’s in it for my friend?
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Ascent offers benefits that go beyond a student loan.

Start payments up to 9 months after graduation so you can focus on your education and future. Need to make lower payments after graduation? Consider our Progressive Repayment Option.

New 7 and 12-year repayment terms in addition to 5, 10, 15, and 20-year terms (depending on the loan you choose). See repayment examples.

When you graduate, get a 1% Cash Back Reward from Ascent!

Borrow on your own or apply to release your cosigner after making 12 consecutive on-time payments so you can gain financial independence.

Earn up to a 0.25% discount on all credit-based loans and earn up to a 1% discount on outcomes-based loans when you sign up for autopay! Discount Terms & Conditions

Stay up to date with your student loan and make payments using our AscentConnect mobile app. Download it today from the Apple App Store or Google Play Store.

No application, origination, disbursement, or early payment fees.

Ascent’s undergraduate borrowers get access to expert coaching and easy-to-use resources to help you complete your degree and launch a rewarding career.

Borrower Benefits Terms & Conditions

Refer a Friend FAQs

  1. See Official Refer a Friend Rules
  2. The promotional offer is not transferable and subject to credit approval. One Gift Card per loan. Only the student borrower or related parent/guardian is eligible for the Gift Card offer. To be eligible for this offer, student borrowers, parents/guardians or cosigners (as applicable) must apply for an Ascent college loan through the designated Refer a Friend link. The Gift Card will be sent to the applicant via email within 60 days of the Ascent college loan being disbursed. This offer is subject to change or termination without notice. For additional information regarding eligibility for an Ascent college loan, please see Ascent’s FAQs at Additional terms and conditions may apply, depending on other terms offered or chosen. is not a sponsor of this promotion. Except as required by law, Gift Cards [“GCs”] cannot be transferred for value or redeemed for cash. GCs may be used only for purchases of eligible goods on or certain of its affiliated websites GCs cannot be redeemed for purchases of Gift Cards. Purchases are deducted from the GC balance. To redeem or view a GC balance, visit “Your Account” on Amazon is not responsible if a GC is lost, stolen, destroyed or used without permission. For complete terms and conditions, see GCs are issued by ACI Gift Cards, Inc., a Washington corporation. All Amazon ™& © are IP of, Inc. or its affiliates. No expiration date or service fees.
    Recipient is responsible for any applicable federal, state or local taxes associated with receiving the Gift Card offer; consult your tax adviser to determine applicable tax consequences.
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Time’s Ticking! ⏰ Take advantage of new lower rates on college student loans from 3.79% to 15.86% APR*

Apply Now

*Annual Percentage Rate; See rates and repayment examples