|Rates*||Variable APR: 4.14% – 13.13%
Fixed APR: 4.55% – 13.77%
|Rewards**||1% Cash Back Graduation Reward upon satisfaction of certain terms and conditions|
|Terms*||10-year or 15-year|
|Repayment Options*||Deferred Repayment ONLY|
* Rates displayed above are effective as of 07/01/2019 and include a .25% discount applied when a borrower in repayment elects automatic ACH payments via their personal checking account. Click here for Ascent Student Loans Terms and Conditions.
** 1% Cash Back Graduation Reward subject to terms and conditions, click here for details.
You have the opportunity to qualify for a student loan without a cosigner and build credit in your own name.
You can choose from affordable fixed or variable rate, customize your repayment terms, and pay off your loan early without any penalty.
From your first application to your final payment, we’re committed to helping you every step of the way. Our 100% U.S.-based Ascent Customer Service team is here for you. Call us toll-free at 877-216-0876，email us at [email protected], or check out our top FAQs below:
If you are a student borrower without a cosigner and have at least 2 years credit:
NOTE – Ascent applicants without a cosigner AND less than two (2) years of non-student loan credit history are not tested against any minimum current annual income criteria. Instead, they are evaluated based on their school of attendance, program, major and other criteria that does not consider current annual income.
If you are a student borrower without a cosigner and have at least 2 years credit you must:
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.
Western Washington University
It was the only decent loan provider that would except a non-cosigned loan. My loan manager helped a lot.
Texas A&M University
Ascent gave me the option to take on a loan by myself and at a decent interest rate for what my circumstances were.