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Ascent can help international & DACA students with a cosigner.
See your pre-qualified rate in 4 simple steps – No application fees.

 

See My Rates

 

NOTE: Students that don’t reside in the United States or U.S. territories will be required
to provide evidence they will be living and attending school in the U.S.
We’re unable to fund students taking classes outside of the U.S.

2.71% – 12.99%*

3.53% – 14.50%*

2.71% – 12.99%

3.53% – 14.50%

See My Rates

Check your rates without impacting your credit score.

Cosigned

Credit-Based Loans

For students with a
creditworthy cosigner
(For U.S. citizens, DACA & international students)

  • Enrolled at least half-time
  • Must be a U.S. citizen with an eligible cosigner who is a U.S. citizen or permanent resident
  • International students and students with a Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

  • 5, 7, 10, 12 or 15-Years

  • Deferred Repayment: Start payments up to 9 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

MBA

Student Loans

For graduate students persuing their MBA with or without a cosigner.


3.67% – 12.42%


4.57% – 13.44%

  • Enrolled at least half-time
  • Must be a U.S. citizen with an eligible cosigner who is a U.S. citizen or permanent resident
  • International students and students with a Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

  • 7, 10, 12 or 15-Years

  • Deferred Repayment: Start payments up to 9 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

  • Postpone payments up to 9 months after graduation

  • Maximum in-school period is 36 months

Medical School

Student Loans

For graduate students persuing their MD, DO, DVM, VMD, or DPM with or without a cosigner.


3.67% – 12.42%


4.57% – 13.44%

  • Enrolled at least half-time
  • Must be a U.S. citizen with an eligible cosigner who is a U.S. citizen or permanent resident
  • International students and students with a Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

  • 7, 10, 12, 15 or 20-Years

  • Deferred Repayment: Start payments up to 36 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

  • Postpone payments up to 36 months after graduation

  • Maximum in-school period is 48 months

Dental School

Student Loans

For graduate students persuing their DMD or DDS with or without a cosigner.


3.67% – 12.42%


4.57% – 13.44%

  • Enrolled at least half-time
  • Must be a U.S. citizen with an eligible cosigner who is a U.S. citizen or permanent resident
  • International students and students with a Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

  • 7, 10, 12, 15 or 20-Years

  • Deferred Repayment: Start payments up to 12 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

  • Postpone payments up to 12 months after graduation

  • Maximum in-school period is 48 months

Law School

Student Loans

For graduate students persuing their JD or LLM with or without a cosigner.


3.67% – 12.42%


4.57% – 13.44%

  • Enrolled at least half-time
  • Must be a U.S. citizen with an eligible cosigner who is a U.S. citizen or permanent resident
  • International students and students with a Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

  • 7, 10, 12 or 15-Years

  • Deferred Repayment: Start payments up to 9 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

  • Postpone payments up to 9 months after graduation

  • Maximum in-school period is 36 months

General Graduate

Student Loans

For graduate students persuing their MA, MS, PhD, or other graduate school programs with or without a cosigner.


3.67% – 12.42%


4.57% – 13.44%

  • Enrolled at least half-time
  • Must be a U.S. citizen with an eligible cosigner who is a U.S. citizen or permanent resident
  • International students and students with a Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or permanent resident

  • 7, 10, 12 or 15-Years

  • Deferred Repayment: Start payments up to 9 months after leaving school
  • In School Interest-Only Repayment
  • $25 Minimum Payment

  • Postpone payments up to 9 months after graduation

  • Maximum in-school period is 36 months

*Rates displayed above are effective as of 09/01/2020 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. 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

Don't lose your financial freedom before you have the chance to earn it! To help you borrow responsibly, we incorporate financial wellness into our application process and give you exclusive access to tools and content to help you get set for greater financial success. Financial Wellness Tips »

Have questions about private student loans?
We’ve got answers.


What is Ascent?
Ascent is an innovative private student loan program that provides access to higher education funding for an expanded population of undergraduate and graduate students, while encouraging the financial wellness of students and their families. We advocate awareness of the potential financial outcomes of your higher education 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.
Can students that are Non-U.S. citizens apply?
Yes. A student who is not a U.S. citizen or U.S. permanent resident or has Deferred Action for Childhood Arrival (DACA) status may apply with a creditworthy cosigner who is a U.S. citizen or U.S. permanent resident.

 

Non-U.S. citizens are required to upload the following documentation to verify identity as applicable to your individual resident status:

  1. U.S. Permanent Resident Aliens: Permanent Resident Card (USCIS form I‐551); or
  2. Non-Permanent Resident Aliens (temporary residents): Valid visa – acceptable forms: F-1; J-1, M-1; E-1; H-1; L-1; G series; TN-1; TN-2; OR I-20 Form (pages 1 & 2 signed) AND Unexpired Passport from country of origin; and,

In addition to 1. or 2. above, applicants must upload the following:
a. Unexpired foreign passport; and
b. A copy of government-issued document or identification that includes your national identification number. NOTE – For countries that include the national identification number on the passport, confirmation therein is sufficient.

  1. DACA status: Documentation from the U.S. Department of Homeland Security / U.S. Citizenship and Immigration Services (USCIS) that indicates DACA status that does not expire before the end of the enrollment period for which the loan is being requested.

 

NOTE: The option to apply to release the cosigner after making the first twenty-four (24) consecutive, regularly scheduled full principal and interest payments on-time is only available to student borrowers that are U.S. citizens or have U.S. permanent resident status and is not available to DACA students.

Why should I choose an Ascent loan?
Ascent also offers cosigned Credit-Based Loans for international undergraduate and graduate students with a credit-worthy U.S. cosigner. Ascent loans are competitively priced. You can choose from affordable fixed or variable rates, customize your repayment terms, and pay off your loan early without any penalty. 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% for Credit-Based Loans. 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.
Do I need a cosigner?
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.

Ascent is recognized as a leading national private student loan program for cosigned and non-cosigned loans