College Raptor has partnered with Ascent to give you more opportunities to pay for college with or without a cosigner.
Find your best option in 4 simple steps – NO application fees.
Get StartedCheck your rates without impacting your credit score.
What are others saying about Ascent?
The best thing about Ascent is the fact that they make the process easy. I was able to do everything online and the money was sent directly to my school.
Anjellica C.
Northern Arizona University
They talked to me and helped me out in the most possible way. They made sure I got the most that I possibly could.
Rnajee M.
Mississippi State University
Ascent was great because they were able to answer all of my questions. They made getting to college a lot easier for me.
Grace G.
Simmons College
Why College Raptor recommends Ascent:
Most Flexible Options
Start payments up to 9 months after graduation and if you need to make lower payments, consider our Progressive Repayment option.
Fast Cosigner Release
Gain financial independence by removing your cosigner after making the first 12 consecutive full principal and interest on-time payments.
Scholarship Opportunities
Over $80,000 in scholarships awarded in 2022. Ascent offers more opportunities to pay for school with monthly scholarship giveaways.
Student Success Program
Ascent’s undergraduate borrowers get access to expert coaching and easy-to-use resources to help you complete your degree and launch a rewarding career.
Ascent's Student Loans
Ascent helps you cover up to 100% of your cost of attendance and other school-related expenses (up to $200,000 for undergraduate loans and $400,000 for graduate loans*) at over 2,200 colleges nationwide by offering undergraduate and graduate loans for students.
*The final amount approved depends on the borrower's year in school, credit history, certified cost of attendance, and is subject to credit approval and verification of application information.
Cosigned
Credit-Based Loan
For students with a creditworthy cosigner
Variable* APR
6.22% - 16.08%
Fixed* APR
4.09% - 15.66%
View Details
Eligibility*:
- Enrolled at least half-time at an eligible school
- Must be a U.S. citizen, U.S. permanent resident or have a Deferred Action for Childhood Arrival (DACA) status
- Must have an eligible cosigner who is a U.S. citizen or U.S. permanent resident
- International students also may apply with a creditworthy cosigner who is a U.S. citizen or U.S. permanent resident. See eligibility requirements.
REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*
- Deferred Repayment
- Interest-Only Repayment
- $25 Minimum Payment
Terms:
- 5, 7, 10, 12, or 15-Years
(No penalty for early repayment)
Grace Period:
- Postpone full principal and interest payments up to 9-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status
Parent
Credit-Based Loan
For parents, grandparents, guardians, and sponsors with a student attending an eligible school
Variable* APR
6.22% - 16.58%
Fixed* APR
5.20% - 16.36%
View Details
Eligibility*:
- Must be a U.S. citizen or permanent resident
- Must be a parent, grandparent, guardian, or sponsor with an eligible student who is enrolled less than half-time, half-time or full-time at a degree-granting, Title IV, Ascent eligible school
- Meet the minimum credit score and income requirements
Terms:
- 5, 7, 10, 12, or 15-Years
(No penalty for early repayment)
Non-Cosigned
Credit-Based Loan
For students without a cosigner who qualify based on credit and minimum income
Variable* APR
9.25% - 15.18%
Fixed* APR
8.85% - 14.76%
View Details
Eligibility*:
- Enrolled at least half-time at an eligible school
- Must be a U.S. citizen, U.S.permanent resident or have a Deferred Action for Childhood Arrival (DACA) status with a valid social security number
- Must have at least 2 years of credit history and meet credit and minimum income requirements
REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*
- Deferred Repayment
- Interest-Only Repayment
- $25 Minimum Payment
Terms:
- 5, 7, 10, 12, or 15-Years
(No penalty for early repayment)
Grace Period:
- Postpone full principal and interest payments up to 9-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status
Non-Cosigned
Outcomes-Based Loan
For juniors and seniors who meet our credit criteria
Variable* APR
13.26% - 15.20%
Fixed* APR
12.90% - 14.89%
View Details
Eligibility*:
- Enrolled as a junior or senior full-time OR half-time within 9-months of graduation at an eligible school
- Must be a U.S. citizen, U.S. permanent resident or have a Deferred Action for Childhood Arrival (DACA) status with a valid social security number
- Must maintain GPA of 3.0+ AND meet your school’s Satisfactory Academic Performance (SAP)
REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*
- Deferred Repayment
Terms:
- 10 or 15-Years
(No penalty for early repayment)
Grace Period:
- Postpone full principal and interest payments up to 9-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status
MBA
Student Loans
For graduate students pursuing their MBA with or without a cosigner.
Variable* APR
7.22% - 15.18%
Fixed* APR
5.09% - 14.76%
View Details
Eligibility*:
- Enrolled at least half-time at an eligible school
- May apply with a creditworthy cosigner who is a U.S. citizen or U.S. permanent resident
- Students who apply without a cosigner must have a valid social security number, at least 2 years of credit history and meet credit and minimum income requirements
Rewards:
- ACH discount: 0.25%
- 1% Cash Back Graduation Reward
- Monthly no-essay Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*
- Deferred Repayment
- Interest-Only Repayment
- $25 Minimum Payment
Terms:
- 7, 10, 12, or 15-Years
(No penalty for early repayment)
Grace Period:
- Postpone full principal and interest payments up to 9-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status
EXTENDED IN-SCHOOL PERIOD:
- Maximum in-school period is 36 months
Medical School
Student Loans
For graduate students pursuing their MD, DO, DVM, VMD, or DPM with or without a cosigner.
Variable* APR
7.01% - 15.18%
Fixed* APR
5.01% - 14.76%
View Details
Eligibility*:
- Enrolled at least half-time at an eligible school
- May apply with a creditworthy cosigner who is a U.S. citizen or U.S. permanent resident
- Students who apply without a cosigner must have a valid social security number, at least 2 years of credit history and meet credit and minimum income requirements
Rewards:
- ACH discount: 0.25%
- 1% Cash Back Graduation Reward
- Monthly no-essay Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*
- Deferred Repayment
- Interest-Only Repayment
- $25 Minimum Payment
Terms:
- 7, 10, 12, 15, or 20-Years
(20-year term only available with a variable rate option. No penalty for early repayment)
Grace Period:
- Postpone full principal and interest payments up to 36-months after graduation, up to 9-months after leaving the program or otherwise dropping to less than half-time enrollment status
EXTENDED IN-SCHOOL PERIOD:
- Maximum in-school period is 48 months
Dental School
Student Loans
For graduate students pursuing their DMD or DDS with or without a cosigner.
Variable* APR
7.22% - 15.18%
Fixed* APR
5.09% - 14.76%
View Details
Eligibility*:
- Enrolled at least half-time at an eligible school
- May apply with a creditworthy cosigner who is a U.S. citizen or U.S. permanent resident
- Students who apply without a cosigner must have a valid social security number, at least 2 years of credit history and meet credit and minimum income requirements
Rewards:
- ACH discount: 0.25%
- 1% Cash Back Graduation Reward
- Monthly no-essay Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*
- Deferred Repayment
- Interest-Only Repayment
- $25 Minimum Payment
Terms:
- 7, 10, 12, 15, or 20-Years
(20-year term only available with a variable rate option. No penalty for early repayment)
Grace Period:
- Postpone full principal and interest payments up to 12-months after graduation, up to 9-months after leaving the program or otherwise dropping to less than half-time enrollment status
EXTENDED IN-SCHOOL PERIOD:
- Maximum in-school period is 48-months
Law School
Student Loans
For graduate students pursuing their JD or LLM with or without a cosigner.
Variable* APR
7.22% - 15.18%
Fixed* APR
5.09% - 14.76%
View Details
Eligibility*:
- Enrolled at least half-time at an eligible school
- May apply with a creditworthy cosigner who is a U.S. citizen or U.S. permanent resident
- Students who apply without a cosigner must have a valid social security number, at least 2 years of credit history and meet credit and minimum income requirements
Rewards:
- ACH discount: 0.25%
- 1% Cash Back Graduation Reward
- Monthly no-essay Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*
- Deferred Repayment
- Interest-Only Repayment
- $25 Minimum Payment
Terms:
- 7, 10, 12, or 15-Years
(No penalty for early repayment)
Grace Period:
- Postpone full principal and interest payments up to 9-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status
EXTENDED IN-SCHOOL PERIOD:
- Maximum in-school period is 36 months
General Graduate
Student Loans
For graduate students pursuing their MA, MS, PhD, or other graduate school programs with or without a cosigner.
Variable* APR
7.22% - 15.18%
Fixed* APR
5.09% - 14.76%
View Details
Eligibility*:
- Enrolled at least half-time at an eligible school
- May apply with a creditworthy cosigner who is a U.S. citizen or U.S. permanent resident
- Students who apply without a cosigner must have a valid social security number, at least 2 years of credit history and meet credit and minimum income requirements
Rewards:
- ACH discount: 0.25%
- 1% Cash Back Graduation Reward
- Monthly no-essay Scholarship giveaways on social media
- Refer a Friend: Earn up to $525 for each friend you refer
REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*
- Deferred Repayment
- Interest-Only Repayment
- $25 Minimum Payment
Terms:
- 7, 10, 12, or 15-Years
(No penalty for early repayment)
Grace Period:
- Postpone full principal and interest payments up to 9-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status
EXTENDED IN-SCHOOL PERIOD:
- Maximum in-school period is 36 months
Parent
Credit-Based Loan
For parents, grandparents, guardians, and sponsors with a student attending an eligible school
Variable* APR
6.22% - 16.58%
Fixed* APR
5.20% - 16.36%
View Details
Eligibility*:
- Must be a U.S. citizen or permanent resident
- Must be a parent, grandparent, guardian, or sponsor with an eligible student who is enrolled less than half-time, half-time or full-time at a degree-granting, Title IV, Ascent eligible school
- Meet the minimum credit score and income requirements
Terms:
- 5, 7, 10, 12, or 15-Years
(No penalty for early repayment)
Parent
Credit-Based Loan
For parents, grandparents, guardians, and sponsors with a student attending an eligible school
Variable* APR
6.22% - 16.58%
Fixed* APR
5.20% - 16.36%
View Details
Eligibility*:
- Must be a U.S. citizen or permanent resident
- Must be a parent, grandparent, guardian, or sponsor with an eligible student who is enrolled less than half-time, half-time or full-time at a degree-granting, Title IV, Ascent eligible school
- Meet the minimum credit score and income requirements
Terms:
- 5, 7, 10, 12, or 15-Years
(No penalty for early repayment)
Cosigned
Credit-Based Loan
For students with a creditworthy cosigner
Variable* APR
6.22% - 16.08%
Fixed* APR
4.09% - 15.66%
View Details
Eligibility*:
- Enrolled at least half-time at an eligible school
- Must be a U.S. citizen, U.S. permanent resident or have a Deferred Action for Childhood Arrival (DACA) status
- Must have an eligible cosigner who is a U.S. citizen or U.S. permanent resident
- International students also may apply with a creditworthy cosigner who is a U.S. citizen or U.S. permanent resident. See eligibility requirements.
REPAYMENT OPTIONS (available while enrolled at least half-time at an eligible school and during Grace Period)*
- Deferred Repayment
- Interest-Only Repayment
- $25 Minimum Payment
Terms:
- 5, 7, 10, 12, or 15-Years
(No penalty for early repayment)
Grace Period:
- Postpone full principal and interest payments up to 9-months after graduation or leaving the program, or otherwise dropping to less than half-time enrollment status
*Rates displayed above are effective as of 4/1/2024 and reflect an Automatic Payment Discount of 0.25% for credit-based loans and a 1.00% discount on outcomes-based loans when you enroll in automatic payments. For more information, see repayment examples or review the Automatic Payment Discount 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 interest-only 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 repayment examples below, based on the amount of time you spend in school and any grace period you have before repayment begins.
Ascent also offers bootcamp loans to transform your career.
Learn MoreWe’re proud to provide award-winning loans for lifelong learners.
Tips & tools for financial success
To help you borrow responsibly, we incorporate financial wellness into our student loan application process and give you exclusive access to tips and resources to prepare you for financial success in college and after graduation.
Have questions about Ascent's loans?
We have answers
Who is Ascent?
What types of private student loans does Ascent offer?
Ascent offers loan products to help undergraduate and graduate students pay for higher education.
- Undergraduate students have the option to apply for a Cosigned Credit-Based Loan , Non-Cosigned Credit-Based Loan or Non-Cosigned Outcomes-Based Loan (for eligible juniors and seniors – see eligibility requirements.)
- Graduate students have the option to apply for a Cosigned Credit-Based Loan or Non-Cosigned Credit-Based Loan. Ascent created customized repayment terms for:
- Business School (MBA)
- Dental School (DMD, DDS)
- Law School (JD, LLM)
- Medical School (MD, DO, DVM, VMD, DPM)
- General Graduate School (Health Professionals, Nursing, Pharmacy, MA, MS, PhD, etc.)
Why should I choose an Ascent loan?
Ascent’s college loans provide more opportunities to qualify for a loan with a cosigner or without a cosigner. Ascent’s award-winning Non-Cosigned Outcomes-Based Loan (for undergraduate juniors and seniors only) considers more than just a credit score to give students the opportunity to qualify for a loan without a cosigner. Ascent also offers credit-based loans for graduate students. Ascent’s college loans are competitively priced. You can choose from affordable fixed or variable rates, customize your repayment terms, and pay off your loan early without any penalty.
In addition, Ascent offers benefits that can help save money with a 1% Cash Back Reward upon graduation and an Automatic Payment Discount of at least 0.25% for Credit-Based Loans and in some cases up to 1.00% for Undergraduate Non-Cosigned Outcomes-Based Loans. The Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. (See See Automatic Payment Discount Terms & Conditions.)
Ascent offers a Student Success program, which is a two-tier program for students applying for Ascent undergraduate loans and for Ascent undergraduate borrowers. To learn more about the program, visit AscentFunding.com/Student-Success
Do I need a cosigner?
Not necessarily. Ascent considers several factors, including: creditworthiness, school, program, graduation date, major, cost of attendance, and other factors that allow for students to potentially obtain a loan in their own name without a cosigner. Nevertheless, applying with a cosigner may result in a lower interest rate.
Students who are a U.S. citizen or have Deferred Action for Childhood Arrival (DACA) status may apply without a cosigner. Students who are not a U.S. citizen or U.S. permanent resident may apply with a creditworthy cosigner who is a U.S. citizen or U.S. permanent resident. (See FAQ, Can students that are Non-U.S. citizens apply for an Ascent college loan?)
What are the Ascent credit requirements?
Ascent’s credit decisioning criteria is proprietary and subject to change, but you can check your rates without impacting your credit score. We consider credit history and several other factors including, but not limited to, credit score.
Cosigned Credit-Based Loan for undergraduate and graduate students:
- Student borrowers must have a minimum credit score. The minimum score required is subject to change and may depend on the credit score of your cosigner.
- Cosigners must have a minimum credit score. The minimum score required is subject to change and may depend on the credit score of your borrower.
Non-Cosigned Credit-Based Loan for undergraduate and graduate students:
- Student borrowers must have more than two (2) years of credit history with a minimum credit score.
Non-Cosigned Outcomes-Based Loan for undergraduate students (juniors and seniors ONLY):
Student borrowers with no credit score or students who meet a minimum credit score with or without two (2) years of credit history. (See Non-Cosigned Outcomes-Based Loan eligibility requirements.)
Don't see your question? Check our FAQ page.