COVID-19 Update:

Your health and safety is important to us.

As parents, children and former students, we understand the growing concern surrounding coronavirus (COVID-19). Our hearts go out to everyone affected.

We’re here to help every step of the way. You can still access your Ascent account from virtually anywhere and call our customer service team with any questions about your account at 877-216-0876.

For the latest COVID-19 updates, please visit here.

Student loans designed with you in mind

Ascent gives you more opportunities to get the money you
need to pay for college.

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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.

  • Apply to see your pre-qualified rates
  • Customize your loan
  • 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.

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 wellness 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. We advocate awareness of the potential financial outcomes of your college choices (school, major, years in school, financing your education), helping you visualize where your career could go and what it could be – encouraging better decisions today to open up greater future opportunities.

Why should I choose an Ascent loan?

The Ascent Student Loan program provides more opportunities to qualify for a loan without a cosigner. The Non-Cosigned Future Income-Based Loan 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 a 1% Cash Back Reward upon graduation and an Automatic Payment Discount of at least 0.25% and in some cases up to 2.00%. The Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. (See Automatic Payment Discount Terms & Conditions.)

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 have Deferred Action for Childhood Arrival (DACA)  status or 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