How it works
4 simple steps –
NO application fees.
Getting your student loans shouldn’t be complicated. From your first application to your final payment, we’re committed to helping you every step of the way.
- Complete your application
- Select your loan offer
- Upload your documents
- Get that money – if approved & certified
Student loans should expand your possibilities, not limit them.
That’s why we set out to do things differently and offer benefits that put students first.
Non-Cosigned loan option
You have the opportunity to build credit in your own name, or if you wish, you can apply to release your cosigner after 24 consecutive on-time payments.
Flexible payment options
You can choose from affordable fixed or variable rate, customize your repayment terms, and pay off your loan early without any penalty.
Benefits that put you first
We cover up to 100% of your costs of attendance. Plus, you can get 1% cash back at graduation, and a discount if you set up automatic payments.
Ascent helps students nationwide
Being young I don’t have a strong credit history. Ascent made it possible for me to have my own loan without the help of others – I’m thankful I found them.
Nikara M.
Western Washington University
It was the only decent loan provider that would except a non-cosigned loan. My loan manager helped a lot.
Robert C.
Texas A&M University
It was the only decent loan provider that would except a non-cosigned loan. My loan manager helped a lot.
Robert C.
Texas A&M University
Tips & tools for financial success
It’s wrong to lose your financial freedom before you’ve even had a chance to earn it! To help you borrow responsibly, we incorporate financial education into our application process and give you exclusive access to tools and content to help you get set for financial success.
We are here to help
As always.
What is Ascent?
Ascent is an innovative private student loan program that provides access to higher education funding for an expanded population of students, while encouraging the financial wellness of students and their families through financial literacy.
Why should I choose an Ascent loan?
The Ascent student loan program may provide more opportunities to qualify for a loan without a cosigner. The non-cosigned feature may provide broader access to higher education funding. Ascent loans are competitively priced and offer repayment options that help you manage loan repayment. In addition, Ascent offers benefits that can help save money with an interest rate reduction of 0.25% for payments made via Automatic Debit and a 1% Cash Back Reward upon graduation.
Do I need a cosigner?
Not necessarily. Ascent considers several factors, including: creditworthiness, school, program, graduation date, major, cost of attendance, and other factors that allow for students to potentially obtain a loan in their own name without a cosigner. Nevertheless, applying with a cosigner may result in a lower interest rate.
Students that are not a U.S. citizen or U.S. permanent resident may apply with a creditworthy cosigner that is a U.S. citizen or U.S. permanent resident.
Ascent is recognized as a leading national private student loan program for cosigned and non-cosigned loans
