Expand Your Possibilities

Ascent Student Loans are built around one guiding principle above all others: Your student loan should expand your possibilities, not limit them. That’s why Ascent gives you more opportunities to qualify for a loan in your own name. We consider several factors including: creditworthiness, school, program, graduation date, major, cost of attendance and other factors. We have been working collaboratively in the student loan industry for more than a decade and constantly evolve our loan program to meet your specific needs. You’ll benefit right from the start with a fast eligibility screening process. Once you’ve applied and been conditionally […] Read more

Applying to Graduate: What Every Student Should Know

Applying to Graduate - Ascent Student Loans

This is it—you’re at the final stretch, so close to graduation you can nearly feel the ceremonial cap on your head. All of your hard work is about to pay off, as the years of studying have prepared you to advance toward a future of new opportunities. With that being said, just because you’re nearing graduation doesn’t mean you can let off the gas. […] Read more

Kim McNealy Named CMO of Ascent Student Loans

McNealy, Kim

Ascent Student Loans, a division of San Diego-based finance technology company Goal Structured Solutions, Inc. (“GS2”), is pleased to announce that it has named marketing and technology expert Kim McNealy as its Chief Marketing Officer (CMO). With deep expertise leading marketing programs for a range of emerging and industry-leading organizations, McNealy will spearhead initiatives that position Ascent Student Loans for continued growth in the student lending market. […] Read more

Financial planning starting to freak you out? Here’s what you really need to know about sending your kid to college.

Nearly three-quarters of parents report their highest stressor as completing applications for admission and financial aid for college, with their biggest concern being the amount of student loans the family will need to borrow. So, before you get too stressed out, here are 4 ways to prepare for college.

Nearly three-quarters of parents report their highest stressor as completing applications for admission and financial aid for college, with their biggest concern being the amount of student loans the family will need to borrow. So, before you get too stressed out, here are 4 ways to prepare for college. […] Read more

7 Tips Parents Can Give College Students During Finals Season

7 Tips Parents Can Give College Students During Finals Season - Ascent Student Loans

As a parent, you might be struggling with how to help your student during this stressful period other than reminding them to get enough sleep, eat well, and hydrate – which are actually very important. Although we can’t give you the exam answers or write any finals papers for them, here are seven tips parents can give students during finals season. […] Read more

Solutions to Help Your Students Get Funding

The Ascent program is guided by a focus on transparency, financial education and student outcomes, working with students and families to view college and evaluate their financial aid options as an investment, not an expenditure. Further, Ascent is the only student loan provider that incorporates financial education into the application process and requires all students and cosigners to complete a financial literacy module before approving loans. […] Read more

Student Loans are a Labor of Love

In this post, we’ll take a look at how student loans can enable you to prioritize your educational path and what types of financial aid may be right for your situation. We’ll also check out some questions you may ask yourself to determine which financial path is right for you. Wherever you come from and wherever you’re going, Ascent aims to provide you the assistance you need to succeed. […] Read more

Back to School: Planning for the Year Ahead

Once you have the budgeting ball rolling, it’s much easier to keep it going, but you’ll still have to work through the occasional bump in the road. We’ll explore some of the mental and financial challenges the school year can present, and ways to overcome these obstacles. By building upon your previous budgeting and planning knowledge, you’ll be well-equipped to take on whatever challenges you may face on the path to higher education. […] Read more

College Students Taking on More Financial Responsibility While Lacking Confidence in the Value of Their Education


Study commissioned by Ascent Students Loans reveals interesting insights regarding the cost and financing of higher education


According to a May 2018 nationwide study* by Ascent Student Loans:

Student’s financial burden is greater than expected. Nearly half of students report they are now shouldering more responsibility in paying for college than originally anticipated.
The perception of value is not keeping pace with the price tag. 51 percent of students do not believe the value of a college education has kept up with the rising cost.
There are significant gaps in student knowledge relative to financing options and what their future payments will look like. Only […] Read more

More Risk, Less Reward? New Study Finds College Students Taking on More Financial Responsibility While Lacking Confidence in Value of Education


July 9, 2018 (SAN DIEGO, CA) — As thousands of college students finalize their financial aid plans for the coming year, a new nationwide survey by Ascent Student Loans has found that while the financial responsibility on students is greater than they expected, they don’t believe the value of a college education is keeping pace with the increasing price tag.


Nearly half of students report they are now shouldering more responsibility for paying for college than originally anticipated – and in most cases are covering at least 50 percent of the total investment.  At the same time, more than half of […] Read more

Rule Rollback Won’t Keep Defrauded Student Borrowers From Loan Forgiveness

Borrower defense to repayment is a federal student loan forgiveness program for borrowers whose schools violated certain laws or defrauded or misled students. For example, a federal court found that the now-defunct Corinthian Colleges engaged in deceptive practices such as advertising programs the schools didn’t offer and false job placement rates. Fifteen thousand forgiveness claims from Corinthian students had been approved as of October 2016.

[…] Read more

Budgeting for College Students: Where to Start

Whether your funds come from family, student loans, scholarships or your own wallet, you’ll need to budget for expenses like textbooks, housing and, yes, a social life. Knowing who’s footing the bill, what costs to expect and which ones you can live without — ideally before school starts — can reduce stress and help you form healthy financial habits for the future.
[…] Read more

Goal Structured Solutions Named as One of the Best Places to Work for Two Consecutive Years

San Diego, CA – Goal Structured Solutions, Inc. (“GS2”), an award-winning, employee-owned education finance asset management company, was honored yesterday at the San Diego Business Journal’s 10th Annual Best Places to Work Awards Ceremony in San Diego. This is the second consecutive year that GS2 has been listed amongst the Best Places to Work in San Diego by the San Diego Business Journal, Best Companies Group. […] Read more

5 Money Mistakes Students Make Freshman Year

No one expects you to have it all together your freshman year of college. You’ll probably end up losing your student ID, getting locked out of your dorm room, picking the wrong major and signing up for way more clubs than you could possibly handle. Mistakes happen. But if you can keep them from draining your bank account, you’ll just have a funny story to tell later on. […] Read more

Goal Structured Solutions Named As One Of The “Best Places To Work” In San Diego In 2015

San Diego, CA – Goal Structured Solutions (“GS2”), a San Diego headquartered education finance company was recently named as one of the Best Places to Work in San Diego. The annual list of the Best Places to Work in San Diego was created by the San Diego Business Journal, Best Companies Group.

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5 Ways To Avoid Becoming A “Super Senior”

Students who started at public four-year colleges in 2008 and took a fifth year to graduate paid an extra $18,598 in out-of-pocket tuition and student loan costs on average, according to a NerdWallet study. Plus, they sacrificed a year of entry-level income — $46,355 on average — and around $82,074 in lifetime compounded retirement savings.
[…] Read more

3 Questions to Evaluate the Investment in Your College Education

College costs are going through the roof. The average four-year private college now runs nearly $44,000 a year, including tuition, fees, and room and board. For many people this will be the biggest investment they make and, for some, the one with the highest return — if planned for carefully. […] Read more

GS2 (Ascent) Serve As Platinum Sponsor At The 2016 iiBIG Symposium

San Diego, CA – iiBIG’s 8th Annual Education Finance & Loan Symposium, will take place in Washington, DC on May 19 – 20, 2016. This annual event has become known as the only conference of its kind to attract a 360-degree cross-section of all the key players in the education finance/student loan industry. […] Read more

Vemo Education Partners With Goal Structured Solutions (GS2)

RESTON, VIRGINIA (March 17, 2016) – Vemo Education, an education finance company working with U.S. colleges and universities to develop and service value-oriented, income-based student financing programs, confirmed today that Goal Structured Solutions (GS2) has acquired a minority ownership interest in the company. […] Read more

Top 10 Mistakes Students Make on the FAFSA

High school seniors left as much as $2.7 billion in free student aid on the table in the last academic year, according to a NerdWallet study. Part of that cash is missed because of errors students are making on their Free Application for Federal Student Aid forms. Here are some of the most common FAFSA mistakes, according to financial aid experts and the U.S. Department of Education. […] Read more

Carrying a Credit Card Balance for the First Time

If you’ve always paid your credit card balance in full every month, it can be disconcerting to find yourself carrying a balance for the first time. The balance might be the result of having a little more fun than your cash flow can accommodate, or it might be a consequence of something serious, such as a job loss or medical emergency. Either way, it’s a sign that you might need to re-evaluate your use of credit cards, and think about how to manage your new balance responsibly.

Here’s how to manage the debt and prepare for the next financial challenge.

Examining the cause of the debt

Before […] Read more

Which Credit Cards Give Free FICO Scores?

Psst! Wanna see your FICO score?

Years ago, your FICO score was a secret that lenders didn’t want you to know. Then the Fair Credit Reporting Act enabled you to request your credit score from the credit bureaus, but you had to pay for it. Now we’re in the free score era.

In 2013, Fair Isaac Corp., the company that created the FICO score, launched its FICO Score Open Access program, which allowed lenders to give their customers free FICO scores. More than 50 now do so. The next year, the Consumer Financial Protection Bureau called on major credit card issuers to offer free credit scores […] Read more

GS2 Enables the FAQS International Student Loan Program at The University of Rochester’s William E. Simon Graduate School of Business Administration

San Diego, CA – Goal Structured Solutions (GS2) is pleased to announce that The FAQS Student Loan Program has recently added the University of Rochester’s Simon School of Business for the 2012/13 academic year – the second new school enrolled in the program in the last 45 days.

[…] Read more