See terms and conditions for borrower benefits.
We’re invested in your journey to academic, career, and financial success. That’s why we offer benefits that go beyond a student loan. Whether you’re reviewing your options or already have a loan with us, explore our student loan benefits to see how Ascent is setting students up for success in school and after graduation.
Gain access to interactive college resources and coaching dedicated to boosting your financial, academic, and career success. We’re here to support this next phase of your journey in building your confidence, developing new skills, and jumpstarting your dream career.
*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.
Manage your monthly payments and adjust your budget when unexpected life events happen. Explore our flexible payment plans, including your forbearance and deferment options.
See repayment examples.
**You may be eligible for Ascent’s Progressive Payment option if you submitted an Ascent loan on or after May 17th, 2019.
*The Full P&I (Immediate) Repayment option is only available for college loans (except for outcomes-based loans) originated on or after June 3, 2024. (See Terms & Conditions.)
Having trouble making payments? Contact Launch Servicing at 877-209-5297 to discuss your options or fill out this Ascent Repayment/Postponement/Deferment Intake Form.
If you are still in school and are interested in Ascent’s In-School Deferment option, please review and fill out this In-School Verification Form with an authorized financial aid or school representative or request that your Financial Aid Office updates the National Student Clearinghouse. Please note, eligibility is based on verification of being enrolled at least half-time at an eligible institution.
Learn more about our forbearance and deferment options here.
Graduating from college or grad school is a big milestone – and we want to celebrate your success with you! When you graduate, you can get 1% of your total original principal balance back in cash. Follow the button below to learn more or to claim your reward.
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.
Ascent’s parent student loans do not qualify for the 1% cash back graduation reward.
Recommend your friends to Ascent and you can earn an Amazon eGift Card2 for each friend you refer. The more you refer, the more you can earn.
Refer your fellow students, parents of college students, and anyone else in your community who is looking for ways to pay for college.
Earn money if a referred friend applies for a loan, is approved, and funds are disbursed.
Make early payments or fully pay off your loan at any time with no prepayment fees.
Some of our borrowers graduate from school, land jobs, and pay off their loans early. If you make early payments, you can reduce the amount of interest you accrue and lower your loan’s total cost!
Get a discount when you sign up for automatic payments. Plus, when you enroll, you never have to worry about missing a payment.
Gain financial independence and release your cosigner after making 12 consecutive, on-time payments. You’re already building credit in your own name by having a cosigned or non-cosigned student loan. Our cosigner release helps set students up for financial success and removes your cosigner’s responsibility.
For full eligibility requirements, visit our Borrower Benefits page.
Ascent is committed to partnering with innovative companies paving the way for students to achieve financial wellness and a healthy well-being while attending college.
Life Insurance
Avibra is a free mobile app offering content to improve your well-being as well as no-cost life insurance for students.***
Learn More
Loan Management
Chipper is a dynamic loan management app that encourages students to tackle their student loans in a smarter and faster way. Thinking about grabbing an acai bowl this morning? Round up to the nearest dollar and apply those extra cents to your highest loan amount every week.
Learn More
Cash Back Program
Ascent Rewards is an effortless cash back program designed to help students receive rewards by directing the cash they earn toward bills, savings, or charitable donations.***
Learn More
Pay Your Loan
ChangEd is (literally) changing the way students build a secure and efficient way to manage their student loans. How does it work? ChangEd securely links to a student’s credit and debit cards, then rounds purchases to the next dollar and send that extra change to the loan servicer.
Learn More
Collaboration Platform
Jobspeaker is an online community of experts working to bridge the gap between education, employment and beyond. It’s a collaboration platform for students, jobseekers, college career services, and employers looking to bring on the right talent for their growing teams.
Learn More
Applications
Embark is a leading provider of online application and admissions software to schools, universities, colleges, and fellowship programs around the world. They launched, CollegeCents, to help students claim their financial aid.
Learn More***Ascent Funding, LLC receives a small commission for every user who clicks on this partner link and signs up to receive the services offered through Ascent’s Student Resources page. Ascent is not responsible for any loss or damage of any kind incurred as a result of the use of a partner site or reliance on any information provided on the partner site. The use of a partner site and where available a partner’s mobile application, and your reliance on any information contained therein, is solely at your own risk.
Another perk – there are no application, origination, or disbursement fees when you apply for a student loan with Ascent. Plus, you can check your rates without impacting your credit score.
To learn more about our loans and borrower benefits, visit our FAQ page.
Some benefits like our cosigner release and 1% Cash Back Graduation Reward have certain eligibility requirements that must be met, and other benefits like AscentUP are only available to our undergraduate college loan borrowers.
For more information on eligibility, please visit our Borrower Benefits Terms and Conditions.
Email your questions to [email protected].
Or talk to our knowledgable customer support associates.
Contact Us1The 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.
2Restrictions apply, see amazon.com/gc-legal
Checking your rate will not impact your credit score.
For students seeking their undergraduate or graduate degree from a university or college.
For students attending a coding career training school pursuing a degree in technology, professional training, or licensure training.
Our lowest college loan rates of the year—starting at 3.09% APR*—are only here for a short time.
Lock in your best rate before they’re gone!
Even better? You can check your college loan rate in 3 minutes with no impact on your credit score.