Credible has partnered with Ascent to give you more options to pay for college without a cosigner.

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Rates* Variable APR: 3.63% – 12.90%

Fixed APR: 3.97% – 12.93%

View rate and repayment examples

Rewards** 1% Cash Back Graduation Reward upon satisfaction of certain terms and conditions
Terms* 10-year or 15-year
Repayment Options* Deferred Repayment ONLY
Eligibility*
  • MUST be Junior, Senior or Graduate Student
  • MUST be enrolled full-time
  • MUST have satisfactory academic performance of 2.5 GPA or greater
  • MUST be U.S. citizen or have U.S. permanent resident status

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* Rates displayed above are effective as of 09/01/2019 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.

Ascent benefits put students first

Non-cosigned option

You have the opportunity to qualify for a student loan without a cosigner and build credit in your own name.

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.

Have questions about student loans without a cosigner?
We’ve got answers.

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:



What does “creditworthy” mean if I am applying without a cosigner?

Ascent considers several factors to determine creditworthiness, including, but not limited to minimum credit requirements:

  • All applicants must meet the following credit criteria:
    • Must not have defaulted on any private or government student loan; and
    • Have no reported bankruptcy within the past five (5) years; and
    • Have no unsatisfied repossessions, judgments, tax liens, foreclosures or garnishments by creditors; and
    • Have no settled or unpaid non-medical charge-offs or collection accounts that exceed $100 in total; and
    • Have no settled or unpaid medical charge-offs or collection accounts that exceed $500 in total;
  • If you are a student borrower without a cosigner, you must also meet one of the following criteria:
    • If you have less than two years credit history:
      • You must meet the above credit requirements
      • You are not subject to any minimum FICO score
    • If you have more than two years credit history:
      • FICO 680 or above
      • Have no delinquencies of sixty (60) or more days during the previous twenty-four (24) months

What are the Ascent income requirements for students without a cosigner?

If you are a student borrower with or without a cosigner AND have less than 2 credit history:

  • THERE IS NO MINIMUM INCOME REQUIREMENT.

If you are a student borrower without a cosigner and have at least 2 years credit:

  • You will be tested against the following criteria to determine your eligibility for the most favorable rates and terms available:
      • Minimum gross annual income of $24,000; and
      • Must meet a monthly debt-to-income (DTI) ratio.
      • Must submit satisfactory proof-of-income.

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.

Can I qualify for an Ascent loan without a cosigner if I’m not full-time?

If you are a student borrower without a cosigner AND have less than 2 credit history you must:

  • Be a college junior, senior or graduate student enrolled full-time (or with an expected graduation date within 9-months of the date the loan application is submitted) in a degree program at an eligible institution.

If you are a student borrower without a cosigner and have at least 2 years credit you must:

  • Be a college student (undergraduate or graduate) at least half-time enrolled in a degree program at an eligible institution.

Ascent is recognized as a leading national private student loan program for non-cosigned loans based on future income