student holding notepad and looking at phone orange star 3.79%* APR $400 Gift Card** for YOU!
You’re in!

Cover up to 100% of college expenses with an Ascent loan*

Check your rate in under 3 minutes without impacting your credit score.
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100,000+ people have used Ascent to pay for school

4.6 out of 5
6,776 reviews

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 fees

Breathe easier with zero fees – no late fees, application, origination, certification, NSF, or disbursement fees.


Job & internship support

Gain access to AscentUP, resources for budgeting, school success and career readiness, and paid, remote internship opportunities¹.

No fees. Affordable rates. Bigger discounts.

Check your eligibility in under 3 minutes with no impact to your credit score.

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Loans subject to individual approval, restrictions and conditions apply. See Terms and Conditions at and Loan features and information advertised are subject to change at any time.

*Rates displayed above are effective as of 07/16/2024 and reflect an Automatic Payment Discount of 0.25% for credit-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. 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.

¹Eligibility for the AscentUP platform requires that an applicant be enrolled in an Ascent approved institution who has been conditionally approved for an Ascent loan, either as the borrower or through a parent, grandparent, guardian, or sponsor. Ascent’s graduate student loan applicants and consumer loan applicants qualify for access to the AscentUP platform if their approved school has granted access. All Ascent borrowers have access to free AscentUP resources through the AscentConnect mobile app and are eligible to apply for the AscentUP Internship Program. Eligible students must agree to the AscentUP terms of service and privacy policy before accessing the AscentUP platform. Please note that eligibility criteria and program terms are subject to change.

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Time’s Ticking! ⏰ Take advantage of new lower rates on college student loans from 3.79% to 15.86% APR*

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*Annual Percentage Rate; See rates and repayment examples