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   * College Loans
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3.69%*


LOANS THAT HELP YOU PLAN, PAY, AND SUCCEED IN SCHOOL AND BEYOND


COLLEGE LOANS WITH ZERO FEES³, LOW RATES, AND 40 FLEXIBLE PAYMENT OPTIONS⁴ – NO
OTHER STUDENT LOAN HAS MORE.

 * No fees³
 * Low rates
 * Bigger discounts
 * Up to 40 repayment options⁴
 * Access to coaching & internship support¹

Check My Rates
Check your rate in under 3 minutes without impacting your credit score.

100,000+ people have used Ascent to pay for school

4.6 out of 5
6,776 reviews


COVER UP TO 100% OF YOUR UNDERGRADUATE, GRADUATE, OR CAREER SCHOOL TUITION AND
EXPENSES.

With award-winning loans to fit your needs and a team that goes above and beyond
for our customers, we’re here to help you succeed. Borrow by yourself or with a
cosigner, preview your rate and repayment options without affecting your credit,
and choose from multiple repayment plans.


I’M A COLLEGE PARENT OR GUARDIAN

Start an Application Learn More


I’M A COLLEGE STUDENT

Start an Application Learn More


I’M A BOOTCAMP STUDENT

Start an Application Learn More


GET PRE-QUALIFIED IN MINUTES, CHOOSE YOUR REPAYMENT PLAN, AND STAY FOCUSED ON
YOUR FUTURE.

School is hard work, but applying for an Ascent loan is fast and easy.

Start an Application

Submit an application to see if you pre-qualify without impacting on your credit
score

Preview your repayment options and choose the plan that works best for you

Ascent confirms your eligibility with a hard credit check, and your school
confirms your enrollment

Ascent sends your tuition to your school so you can focus on your education

‹›

Check My Rates


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!

Learn More


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 even access to paid, remote internship
opportunities!

Learn More


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.

Learn More


PUTTING 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 payments. Plus, when you enroll,
you never have to worry about missing a payment.

Learn More


CASH REWARD AT GRADUATION

Celebrate your success when you graduate from college by applying for a cash
reward from the Ascent team.

Learn More


OPTIONS FOR MORE

We’re providing access to education to as many people as possible, including
DACA and international students.

Learn More


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.

Learn More


NO FEES

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.

Learn More
‹›



A LOAN IS JUST THE START


100,000+

people have used an Ascent loan to pay for school


85%

of outcomes-based borrowers increased their credit score


1.2 MILLION+

minutes of financial wellness education accessed


$332,000+

scholarships awarded by Ascent since 2020


NO TWO LENDERS ARE ALIKE, BUT ONE ALWAYS HAS YOUR BACK

Just ask our borrowers.

Possibly the easiest process I have ever gone through in order to secure a loan.

Vincent B.

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!

Natalie G.

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.

Emily S.
‹›



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


HAVE QUESTIONS ABOUT STUDENT LOANS?


WE HAVE ANSWERS.

Who is Ascent?
Ascent is a leading provider of innovative financial products and student
support services that enable more students to access education and achieve
academic and economic success. We are obsessed with driving positive student
outcomes. Everything Ascent offers is designed with the best-in-class teams and
technology to increase every student's ability to plan, pay, and succeed.
What’s the difference between Ascent’s college loans and bootcamp loans?

Ascent’s college loans are private student loans for those attending
undergraduate and graduate programs at eligible institutions.

Ascent’s bootcamp loans are consumer loans for those seeking to transform their
career at a bootcamp or accelerated-learning program.

How much can I apply for?

For college loans:

The maximum loan amount for an Ascent loan is limited to the total cost of
attendance for a period not to exceed one full academic year, including any
financial aid you receive, as certified by your school. Note: Your maximum loan
amount may be less than the amount requested on your application due to school
certification or other underwriting factors.

Minimum: $2,001*

Maximum (aggregate): $200,000 for Undergraduate Loans; $400,000 for Graduate
Loans

Maximum for academic year: Student borrowers may borrow up to their
institution's cost of attendance as certified by the school and may not exceed
the aggregate loan limits as stated above except for Ascent’s Undergraduate
Non-Cosigned Outcomes-Based Loan, which has a maximum of $20,000 for the
academic year.

*The loan minimum amount is $2,001 except for the state of Massachusetts.
Minimum loan amount for borrowers with a Massachusetts permanent address is
$6,001.

For bootcamp loans:

You can apply for as little as $2,000** up to the maximum tuition for your
school, program, and location, but not to exceed $40,000 in total borrowing with
Ascent bootcamp loans. Depending on your program, you might have the option to
borrow living expense funds, which you can use to help cover your living costs.
You need to apply for at least $2,000** in tuition to add living expenses.

To see the options for your bootcamp program before you apply, visit your
school’s Ascent partnership page. If you need to lower your loan amount or
cancel after you apply, we can help!

**For Ascent's Short-Term Loan borrowers, the minimum loan amount is $1,000
except for the state of Massachusetts. Minimum loan amount for borrowers with a
Massachusetts permanent address is $6,001.

What is the difference between fixed and variable interest rates?

When it comes to interest rates, most private lenders offer the choice between
fixed and variable loan rates.

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.

Check out more FAQs


FLEXIBLE REPAYMENT OPTIONS. AFFORDABLE RATES. BIGGER DISCOUNTS.

Check your eligibility in under 3 minutes with no impact to your credit score.

Start an Application

*Rates displayed above are effective for Ascent college student loans as of
11/01/2024 and reflect an Automatic Payment Discount of 0.25% for credit-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.

¹Eligibility for the AscentUP platform requires that an applicant be enrolled in
an Ascent approved institution who has been conditionally approved for an Ascent
loan, either as the borrower or through a parent, grandparent, guardian, or
sponsor. Ascent’s graduate student loan applicants and consumer loan applicants
qualify for access to the AscentUP platform if their approved school has granted
access. All Ascent borrowers have access to free AscentUP resources through the
AscentConnect mobile app and are eligible to apply for the AscentUP Internship
Program. Eligible students must agree to the AscentUP terms of service and
privacy policy before accessing the AscentUP platform. Please note that
eligibility criteria and program terms are subject to change.

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 bootcamp loans are
subject to late fees, NSF fees, and a one-time origination fee of 5.0% of the
loan amount. All Ascent loans are eligible for no application, disbursement, 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 of 0.25% is
for credit-based loans and a 1.00% discount is for outcomes-based loans when you
enroll in automatic payments. For more information, see repayment examples or
review the Ascent Student Loans Terms and Conditions.

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PRODUCT

 * #
   * College Loans
   * Undergraduate
   * Cosigned
   * Non-Cosigned
   * Graduate
   * MBA
   * Medical
   * Health Professions
   * Dental
   * PhD & Master’s
   * Law
   * Parent
   * International Students
   * DACA Students
   * For Schools
   * Benefits with Ascent
 * #
   * Bootcamp Loans
   * How it Works
   * Partner Schools
   * Become a Partner
   * AscentUP
   * For Learners
   * For Educators
   * For Businesses


ABOUT

 * About Ascent
 * Meet the Team
 * Ascent vs. Others
 * Awards
 * Partner
 * Press
 * Contact
 * Investors


RESOURCES

 * Student Resource Center
 * Ascent Blog
 * FAQS
 * College Education ROI Calculator
 * College Checklist
 * Financial Wellness Advice
 * Budgeting Tips
 * Pay My Bill
 * AscentUP for Learners
 * Bootcamp Finder
 * Career Advice
 * Partners


EARN MONEY

 * Ascent Rewards
 * Refer a Friend
 * Scholarships
 * 1% Cash Back

 * 
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 * 
 * 


MANAGING YOUR LOAN JUST GOT EASIER

Stay up-to-date on your Ascent loan so you never miss a payment. Download the
AscentConnect app today!

Scan this code with your smartphone to download the AscentConnect app today!


College Students:
877-216-0876 help@ascentfunding.com
Bootcamp Students:
877-216-0876 bootcamphelp@ascentfunding.com
Loan Payments and Servicing:
877-209-5297 AscentFunding@LaunchServicing.com
Looking to become a business partner?
877-385-0718
College Loans (Ascent Funding, LLC):

Ascent Funding, LLC products are made available through Bank of Lake Mills or DR
Bank, each Member FDIC.

NMLS#1761645 NMLS Consumer Access | Licenses

2024 © Ascent Funding, LLC. All Rights Reserved.

Bootcamp Loans (Skills Fund, LLC):

Skills Fund, LLC (d/b/a Ascent Skills Funding) products are made available
through Richland State Bank or DR Bank, each Member FDIC.

2024 © Ascent Skills Funding. All Rights Reserved.

NerdWallet Best-Of Awards 2024

©2017-2024 and TM, NerdWallet, Inc. All Rights Reserved

Ascent Terms of Use Ascent Privacy Policy

We reserve the right to modify or discontinue (in whole or in part) these loan
programs and their associated services and benefits at any time without notice.
Check AscentFunding.com for the most up-to-date information.


WHAT TYPE OF LOAN ARE YOU LOOKING FOR?

Checking your rate will not impact your credit score.


COLLEGE LOAN

For students seeking their undergraduate or graduate degree from a university or
college.

Apply for College Loan


BOOTCAMP LOAN

For students attending a coding bootcamp school pursuing a degree in technology,
professional training, or licensure training.

Apply for Bootcamp Loan