Ascent gives you more opportunities to pay for college with or without a cosigner.

Non-Cosigned

Future Income-Based Loan

For undergraduate juniors and seniors


2.71% – 12.99%


3.53% – 14.50%

Cosigned

Credit-Based Loan

For students with a creditworthy cosigner


2.71% – 12.99%


3.53% – 14.50%

  • Enrolled full-time OR graduating within the next 6 months
  • Maintain GPA of 2.9+ AND meet your school’s satisfactory academic performance (SAP)
  • Must be a U.S. citizen or permanent resident

  • Erolled 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

  • 10-Years or 15-Years

  • 5-Years, 10-Years or 15-Years

  • Deferred Repayment
  • Graduated Repayment

  • Deferred Repayment
  • In School Interest-Only Repayment
  • $25 Minimum Payment
  • Graduated Repayment

Non-Cosigned

Future Income-Based Loan

For undergraduate juniors & seniors

2.71% – 12.99%

3.53% – 14.50%

  • Enrolled full-time OR graduating within the next 6 months
  • Maintain GPA of 2.9+ AND meet your school’s satisfactory academic performance (SAP)
  • Must be a U.S. citizen or permanent resident

  • 10-Years or 15-Years

  • Deferred Repayment
  • Graduated Repayment

Cosigned

Credit-Tested Loan

For students with a creditworthy cosigner

2.71% – 12.99%

3.53% – 14.50%

  • Erolled 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-Years, 10-Years or 15-Years

  • Deferred Repayment
  • In School Interest-Only Repayment
  • $25 Minimum Payment
  • Graduated Repayment

*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

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 wellness into our application process and give you exclusive access to tools and content to help you get set for financial success.

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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. We advocate awareness of the potential financial outcomes of your college 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.
Why should I choose an Ascent loan?
The Ascent Student Loan program provides more opportunities to qualify for a loan without a cosigner. The Non-Cosigned Future Income-Based Loan 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 a 1% Cash Back Reward upon graduation and an Automatic Payment Discount of at least 0.25% and in some cases up to 2.00%. 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. (See Automatic Payment Discount Terms & Conditions.)
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 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