Student loans that just make sense
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5.0/5.0 -
4.8/5.0
Your future, your terms. We just help you get there.
Ascent supports you through school with truly student-first solutions. We want to see how far you can go with your degree.
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Get pre-qualified in minutes without impacting your credit score.
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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 | 0,50% – 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 |
| Student & Parent Scholarship Giveaways | Yes | Yes |
| 12-Month Cosigner Release | Yes | No |
| Path to Discharge in Bankruptcy | Yes | No |
Comparison based on information obtained on lender websites as of October 2025
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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My experience with Ascent Funding has been excellent. The application process was straightforward, the instructions were clear, and every step moved quickly without confusion. I appreciated how transparent the communication was — from identity verification to loan updates, everything was easy to follow. As someone balancing training and finances, having a lender that keeps things simple and professional made a big difference. I would definitely recommend Ascent to other students looking for a reliable funding option.
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I applied and everything was handled very quickly and professionally, I am thankful and grateful for this opportunity, this loan has helped me with the daily travel expenses and lunch. Helping people not have to struggle, removing the stress of something simple as getting to class. This loan program allows learners to focus on the courses and do well. I appreciate all the support from per scholas and ascent.
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From the bottom of my heart, no AI can say... "with all of my being, I Thank You", Ascent Funding! For taking a chance with me and giving me the opportunity, with your 0% Financing! Because of Ascent Funding, I would not be able to say, "not only you changed my life drastically, I can Proudly say, I am an Official Professional Certified UX Designer!" A dream that I had given up on, Ascent Funding, made it possible for me, that no words can describe, just my life and future can only now live and tell...Thank You!!!
Need to know more?
Get quick answers to some commonly asked questions about Ascent and our loan programs.
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Ascent's college loans are private student loans for those attending undergraduate and graduate programs at eligible institutions. We offer private cosigned and non-cosigned student loans. Ascent's bootcamp loans are consumer loans for those seeking to transform their career at a bootcamp or accelerated-learning program.
Over 220,000 borrowers took out an Ascent loan for college or career training tuition or expenses between January 2018 and March 2026.
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.