Free yourself from credit-score detectives.
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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 | 0.5% – 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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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 Ascent.
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Ascent Funding was fantastic to work with. This was my first student loan, and they made it simple and easy. They offered the best rates!! The application process was seamless. The back-and-forth communication was consistent. I would highly recommend Ascent!
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I had a great experience working with Ascent. Their team was responsive, professional, and made the entire process simple from start to finish. They were clear about the terms, communicated well, and helped me secure the $2400 I needed without any stress or confusion. Everything moved quickly, and I appreciated how straightforward they were—no hidden steps, no runaround, just genuine support. Overall, I'm really satisfied with the service and would recommend Ascent to anyone who needs fast and reliable financial assistance.
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.
5.8x higher acceptance rates were observed in 2025 across all products when a loan application is cosigned vs without a cosigner.
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.