Reach your academic and financial goals with a student loan from Ascent
Our committed partner
Undergraduate & Graduate Student Loan Options
- Apply in minutes and check your rate without impacting your credit score
- Boost your approval odds by 4x* when you apply for an Ascent loan with a cosigner
- Most flexible options - Start payments up to 9 months after graduation1
- Save money – get a 0.5% - 1.00% autopay discount2
- Earn a 1% Cash Back Reward upon graduation - an average of $360!3
- Access personalized tips and tools designed to help you meet your academic and career goals with AscentUP4
- Private student loans without a cosigner. If students don’t pre-qualify for Ascent’s Credit-Based Non-Cosigned Loan, eligible juniors and seniors may apply for Ascent’s Outcomes-Based Loan without a cosigner.
No Essay-Required Scholarships!
Ascent has awarded over $355,000 in scholarships.
Enter for a chance to win an ascent scholarship today!5
Disclaimers:
Ascent’s undergraduate and graduate student loans are funded by Bank of Lake Mills or DR Bank, each Member FDIC.
*4x higher acceptance rates were observed between November 2024 through January 2025 across all products when a loan application is cosigned vs without a cosigner. Ascent’s minimum credit requirements vary based on loan product, credit history, and whether you’re applying with a cosigner. You can see your rates without impacting your credit score to help you determine which product could be best for you based on your unique circumstances.
1For details on Ascent borrower benefits, visit AscentFunding.com/BorrowerBenefits
2The 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 consist of 0.25% is for credit-based college student loans submitted prior to 06/01/2025, a 0.5% 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. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.
31% Cash Back Graduation Reward subject to terms and conditions. 1% Cash Back Reward amount dependent upon total loan amount for Ascent college loan borrowers; approximately $360 average reward amount based upon eligible borrowers who received Cash Back Rewards in 2022.
4To be eligible for coaching through AscentUP, the student borrower must be an undergraduate who has been approved for and completed an Ascent college loan application, and has agreed to the AscentUP terms of service. Ascent’s consumer loans for bootcamps and graduate student loans do not qualify for AscentUP coaching.
5Learn more and see Official Rules at AscentFunding.com/Scholarships.
2The 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 consist of 0.25% is for credit-based college student loans submitted prior to 06/01/2025, a 0.5% 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. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.
31% Cash Back Graduation Reward subject to terms and conditions. 1% Cash Back Reward amount dependent upon total loan amount for Ascent college loan borrowers; approximately $360 average reward amount based upon eligible borrowers who received Cash Back Rewards in 2022.
4To be eligible for coaching through AscentUP, the student borrower must be an undergraduate who has been approved for and completed an Ascent college loan application, and has agreed to the AscentUP terms of service. Ascent’s consumer loans for bootcamps and graduate student loans do not qualify for AscentUP coaching.
5Learn more and see Official Rules at AscentFunding.com/Scholarships.