Low college rates starting at
2.89%* APR
115,000+ people have used Ascent to pay for school**
Why college students and families choose Ascent
Flexible repayment options
Ascent offers up to 40 repayment options across its co-signed and non-cosigned undergraduate, graduate, and parent loans.*
No fees1
Breathe easier with zero fees – no late fees, application, origination, certification, NSF, or disbursement fees.
Job & internship support
Gain access to AscentUP2, resources for budgeting, school success and career readiness, and paid, remote internship opportunities.
No two lenders are alike, but one always has your back
Just ask our borrowers.
Possibly the easiest process I have ever gone through in order to secure a loan.
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!
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.
No fees. Affordable rates. Bigger discounts.1
Check your eligibility in under 3 minutes with no impact to your credit score.
Start My ApplicationLoans 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 subject to change at any time.
*Annual Percentage Rates (APRs) displayed above are effective as of 09/08/2025 and reflect an Automatic Payment Discount of 0.25% on credit-based college student loans submitted prior to 06/01/2025, a 0.5% discount on 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. 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 115,000 borrowers took out an Ascent loan for college or career training tuition or expenses between January 2018 and November 2024.
1Only Ascent college loans are eligible for no fees. Ascent career training loans are subject to a one-time origination fee of 5.0% of the loan amount. All Ascent loans are eligible for no application, disbursement, late, NSF or early payment fees.
2Ascent applicants and borrowers that agree to the AscentUP Terms of Service and Privacy Policy, as well as students associated with an Ascent parent loan application, have access to the AscentUP platform.
