The easier way to start your student's loan.
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Loans built around your student's future
Ascent supports your student through school with student-first solutions — we want to see how far they can go with their degree.
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Students can gain financial independence and open up new loan opportunities, like car loans, mortgage loans, and even investments.
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How Ascent outshines the competition:
Our top priority is the success of our borrowers. That's why Ascent offers more flexible repayment options, competitive interest rates, and personalized help so you can navigate your education and career path along the way.
Check My Rate| See how Ascent compares¹ ² ³ ⁴ |
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Industry standard |
|---|---|---|
| Grace Period | 9 months | 6 months |
| Automatic Payment Discounts | 0.5% – 1.00% | 0.25% |
| No Fees on College Loans! | Yes | No |
| College & Career Coaching | Yes | No |
| Access to Paid Internship Opportunities | Yes | No |
| Up to 40 Repayment Options | Yes | No |
| Cash Back at Graduation | Yes | No |
| DACA & International Eligibility | Yes | No |
| 12-Month Cosigner Release | Yes | No |
| Path to Discharge in Bankruptcy | Yes | No |
Comparison based on information obtained on lender websites as of May 2026
Hear from the students who bet on themselves and won
See why thousands of students recommend Ascent for its service, support, and results.
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We had a wonderful and seamless experience with this process. My grand baby can complete her third year of traumatic Nursing. Thank you!!
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I had a great experience with Ascent Funding. I used them to secure two loans for my daughters this semester, and the entire process was smooth from start to finish. The website was easy to navigate, and whenever I called with questions, their customer service team answered quickly and was consistently professional, helpful, and pleasant to work with. On top of that, Ascent offered the lowest rates of any lender I compared. Highly recommend!
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I was the cosigner on a loan and it was easy for me to enter my information and go through the steps. I received emails when there was something I needed to do and the whole process only took a couple of days.
Need to know more?
Get quick answers to some commonly asked questions about Ascent and our loan programs.
Loans subject to individual approval, restrictions and conditions apply. See Terms and Conditions at AscentFunding.com/Rates and AscentFunding.com/Ts&Cs. Loan features and information advertised are intended for Ascent college student loans and are subject to change at any time.
Annual Percentage Rates (APRs) displayed above are effective as of 06/01/2026 and reflect an Automatic Payment Discount of 0.25% on credit-based college student loans submitted prior to 06/01/2025, a 0.5% discount on credit-based college student loans submitted on or after 06/01/2025, and a 1.00% discount on outcomes-based college student loans when you enroll in automatic payments. Loans subject to individual approval, restrictions and conditions apply. Loan features and information advertised are intended for college student loans and are subject to change at any time. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions. The final amount approved depends on the borrower's credit history, verifiable cost of attendance as certified by an eligible school and is subject to credit approval and verification of application information. Lowest interest rates require full principal and interest (Immediate) payments, the shortest loan term, a cosigner, and are only available for our most creditworthy applicants and cosigners with the highest average credit scores. Actual APR offered may be higher or lower than the examples above, based on the amount of time you spend in school and any grace period you have before repayment begins. Variable rates may increase after consummation.
Over 220,000 borrowers took out an Ascent loan for college or career training tuition or expenses between January 2018 and March 2026.
See full eligibility requirements at AscentFunding.com/BorrowerBenefits. Student borrower must make the request to release a cosigner directly with Launch Servicing or the loan holder. The option to apply to release the cosigner is only available to student borrowers who are U.S. citizens or have U.S. permanent resident status or DACA students and is not available to students who are not a U.S. citizen or U.S. permanent resident.
Ascent applicants and borrowers that agree to the AscentUP Terms of Service and Privacy Policy, as well as students associated with an Ascent parent loan application, have access to the AscentUP platform.
Ascent’s 1% Cash Back Graduation Reward is for eligible college students only and subject to terms and conditions. Eligible students must request the graduation reward from Ascent. Learn more at AscentFunding.com/CashBack. 1% Cash Back Reward amount dependent upon total loan amount for Ascent college loan borrowers; approximately $365 average reward amount based upon eligible borrowers who received Cash Back Rewards in 2023. Aggregate cash back limit of $500.
Only Ascent college loans are eligible for no fees. Ascent career training loans are subject to a one-time origination fee of 5.0% of the loan amount. All Ascent loans are eligible for no application, disbursement, late, NSF or early payment fees.
The final ACH discount approved depends on the borrower's credit history, verifiable cost of attendance, and is subject to credit approval and verification of application information. Automatic Payment Discount consists of 0.25% for credit-based college student loans submitted prior to 06/01/2025, 0.5% for credit-based college student loans submitted on or after 06/01/2025, and a 1.00% discount on outcomes-based college student loans when you enroll in automatic payments. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.