Ascent gives you more opportunities to pay for college without a cosigner.

Apply for Ascent's award-winning, non-cosigned loan option in 4 easy steps - No application fees.

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(Check your rate without impacting your credit score.)


Considers future earnings potential to help undergraduate juniors and seniors.

  • Variable APR: 2.73% – 13.01%
  • Fixed APR: 3.62% – 14.50%
  • 1% Cash Back: Eligible reward at graduation
  • Monthly Scholarships: No essay required
  • Refer a Friend: Earn $525 for each friend referred
  • 10-year or 15-year
Repay Options
  • Start payments up to 9 months after graduation (Deferred Repayment)
  • Undergraduate junior or senior
  • Enrolled full-time OR within 6 months of graduation
  • Satisfactory academic performance of 2.9+ GPA
  • U.S. citizen or have U.S. permanent resident status

Apply Without A Cosigner

*Rates displayed above are effective as of 07/07/2020 and reflect an Automatic Payment Discount of 0.25% on the lowest offered rate and a 2.00% discount on the highest offered rate when you enroll in automatic payments. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.
** 1% Cash Back Graduation Reward subject to terms and conditions, click here for details.

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. 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. (See FAQ, “Can students that are Non-U.S. citizens apply?”)