Getting your student loans shouldn’t be complicated. From your first application to your final payment, we’re committed to helping you every step of the way.
Student borrowers with no credit history or limited history with no adverse credit items, as well as student borrowers that pass the minimum credit requirements but fail income or repayment capacity requirements for the loan product may qualify on the basis of several alternative factors which may include: school, program, graduation date, major, cost of attendance, and other factors that could allow for students to obtain a non-cosigned future income-based loan in their own name without a cosigner. Students obtaining a loan in their own name without a cosigner must:
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.
Ascent offers private student loans without a cosigner at competitive rates.
*Rates are effective as of 02/01/2020 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. See repayment examples >
Flexible 10-year or 15-year repayment terms. There’s no penalty for early repayment.NOTE: Ascent borrowers who choose a non-cosigned future income-based loan option with a fixed rate may ONLY select a loan term of ten (10) years (or 120 months, respectively). For certain loans with low balances, the minimum monthly payment amount may cause the loan amortization schedule to be less than the selected term.
Maximum: $200,000 (aggregate)
Maximum for academic year:: $200,000 for credit-based loans; $20,000 for non-cosigned future income-based loans
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.
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 and make a gross annual income of $24,000:
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.
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.