Embark partnered with Ascent to give you more opportunities to pay for college with or without a cosigner.

Find your best option in 4 simple steps – NO application fees.


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for college students with a creditworthy cosigner

for juniors, seniors & graduate students

Rates*
  • Variable APR: 3.22% – 12.54%
  • Fixed APR: 4.21% – 13.12%
  • Variable APR: 3.22% – 12.54%
  • Fixed APR: 4.21% – 13.12%
Rewards**
  • 1% Cash Back: Eligible reward at graduation
  • Monthly Scholarships: No essay required
  • Refer a Friend: Earn $525 for each friend referred
  • 1% Cash Back: Eligible reward at graduation
  • Monthly Scholarships: No essay required
  • Refer a Friend: Earn $525 for each friend referred
Terms*
  • 5-years, 10-years or 15-years
  • 10-years or 15-years
Repayment Options*
  • In School Interest-Only Repayment
  • Deferred Repayment
  • $25 Minimum Payment
  • Start payments up to 6 months after graduation (Deferred Repayment ONLY)
Eligibility*
  • Enrolled at least half-time
  • Non-U.S. citizens or non-U.S. permanent residents may apply with a creditworthy cosigner that is a U.S. citizen or U.S. permanent resident
  • Junior, senior or graduate student
  • Enrolled full-time OR within 6 months of graduation
  • Satisfactory academic performance of 2.5+ GPA
  • U.S. citizen or have U.S. permanent resident status

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*Rates displayed above are effective as of 12/01/2019 and include a .25% discount applied when a borrower in repayment elects automatic ACH payments via their personal checking account. 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 through financial literacy.

Why should I choose an Ascent loan?

The Ascent student loan program may provide more opportunities to qualify for a loan without a cosigner. The non-cosigned 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 an interest rate reduction of 0.25% for payments made via Automatic Debit and a 1% Cash Back Reward upon graduation.

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 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.