Undergraduate Student Loans
Rates starting at 2.19% APR*
Check My Rates Learn MoreNew lower rates on student loans, starting at
2.19%
APR*
Check My Rates
rates starting at
2.19% APR*
5.0/5.0
5.0/5.0
4.5/5.0
220,000+
people funded**
rates starting at
2.19% APR*
5.0/5.0
5.0/5.0
4.5/5.0
220,000+
people funded**
Get pre-qualified in minutes, choose your repayment plan, and stay focused on your future.
School is hard work, but applying for an Ascent student loan is fast and easy.
Start an Application-
Submit an application to see if you pre-qualify without impacting on your credit score
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Preview your repayment options and choose the plan that works best for you
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Ascent confirms your eligibility with a hard credit check, and your school confirms your enrollment
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Ascent sends your tuition to your school so you can focus on your education
No need to stress about payments while you're studying
Your loan can pay for up to 100% of school-certified costs (tuition, housing, meals, textbooks, etc.) and gives borrowers access to a powerful combination of student-friendly benefits.
Make no payments until up to 9 months after graduation*
You have the option to make no payments during college and up to 9 months after*. Or, you can choose to get a head start on payments early – it’s up to you!
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Get career & financial support with AscentUP1
We want to set you up for success. As an Ascent borrower, you can get support in financial wellness, career training, and more!
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Gain financial independence and build credit in your name
Healthy financial habits start here. If your college loan is cosigned, Ascent’s cosigner release gives you the option to remove your cosigner’s responsibility after making 12 consecutive, on-time payments.5
Learn MorePutting students first, with benefits that help you succeed.
We’re invested in your journey to academic, career, and financial success. Ascent customers get benefits that go beyond loans.
Bigger discounts
Get a discount when you sign up for automatic payments4. Plus, when you enroll, you never have to worry about missing a payment.
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Cash reward at graduation2
Celebrate your success when you graduate from college by applying for a cash reward from the Ascent team.
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Options for more
We’re providing access to education to as many people as possible, including DACA and international students.
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Flexible payment plans
You have the flexibility to choose to start making payments before or after leaving school. We also have protections in place to help you if unexpected life events happen.
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No fees3
No application, origination, disbursement, late, or NSF fees and no penalty if you pay off your loan early3.
Extra help
Get your questions answered and meet your goals with access to friendly, expert help on academic, career, and finance essentials.1
Learn MoreYour student loan is just the start
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220,000+
people have used an Ascent loan to pay for school**
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1.2 million+
minutes of financial wellness education accessed
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$355,000+
scholarships awarded by Ascent since 2020
No two lenders are alike, but one always has your back
Possibly the easiest process I have ever gone through in order to secure a loan.
Everyone was so helpful and nice to work with! Being a first generational College student picking a loan was scary and nerve wracking! but they made it so easy!
I've had such a struggle finding a loan and Ascent made it so simple. Not only was the process a weight lifted off my shoulders, but also ensured that I understood more about loans in general.
Resources for students and families
- Ultimate Guide to Paying for College: Free course on college finances
- Monthly scholarship opportunities for students and parents
- Ascent Blog: Insights and advice for student life and finance
- Webinar Library: On-demand webinars on FAFSA®, scholarships, and student loans
Have questions about Ascent student Loans?
We have answers.
Ascent is an award-winning private student loan lender for college and career education. We are the leading provider of innovative financial products and student support services that enable more students to access education and achieve academic and economic success.
Federal student loans and Ascent student loans work a little differently, and many students use both to pay for school.
Federal loans, offered by the government, often come with fixed rates and built-in benefits like income-driven repayment and potential forgiveness.
Ascent student loans are private loans designed to help cover the gap when federal aid, scholarships, and savings don't go far enough. In addition to funding, Ascent offers built-in support like financial wellness resources and access to career-building opportunities, so you can keep making progress in school and beyond.
In most cases, it's a good idea to start with federal loans, then use Ascent to cover any remaining costs so you can keep moving forward with your education.
Ascent supports a wide range of students, whether you apply with a cosigner or on your own.
You may be eligible if you’re enrolled at least half-time at an eligible school or approved career training program and meet credit or alternative criteria. This can include applying with a Cosigner or qualifying based on your own credit, income, or academic performance.
Ascent also offers options for students in career training programs, helping more people take the next step in their education or career journey.
Autopay makes paying your loan easy by automatically deducting your monthly payment from your bank account. While autopay is active, you'll get a 0.50% - 1.00% interest rate discount and one less thing to worry about, helping you stay on track with your payments. For more information, including eligibility requirements, terms, and conditions, please visit www.ascentfunding.com/ascentbenefitsterms.
Fixed rate: A fixed interest rate will remain the same for the life of the loan.
Variable rate: A variable interest rate may fluctuate based on market conditions. Variable interest rates can change monthly, quarterly, or annually, depending upon your loan program. Your loan documents will describe exactly when and how rates can change for the program you selected.
Student Loans that power Bright Futures™
Check your eligibility in under 3 minutes with no impact to your credit score.
*Annual Percentage Rates (APRs) displayed above are effective as of 08/15/2026 and reflect an Automatic Payment Discount of 0.5% on credit-based college student loans, 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.
1Ascent 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.
2Ascent’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.
3Only 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.
4The 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.
5See 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 have graduated and 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.
