Private Student Loans, Recommended by Gather FCU
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- No fees on college loans
- Low rates
- Bigger discounts
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2.69%* APR
220,000+ people have used Ascent to pay for school**
Competitive student loan rates
Fixed Rates
2.69%to 16.86% APR
Variable Rates
3.65%to 16.56% APR
How Ascent outshines the competition:
Our priority is the success of our borrowers. That's why Ascent offers more flexible repayment options, competitive interest rates, and personalized help so you can navigate your education and career path along the way.
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Cover up to 100% of school costs in under 3 minutes with or without a cosigner
Preparing for college is hard work, but applying for an Ascent student loan is fast and easy.
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Save more with absolutely zero fees on college loans, ever
Smart options
Competitive fixed rates starting at 2.69% APR* and variable rates starting at 3.65% APR*
Easy repayment
Simple, flexible repayment options designed to fit your needs
Big advantages
Get access to benefits like paid internship opportunities and career coaching1
A loan that fits your needs
School loans for your bright future. Explore Ascent’s award-winning undergraduate and graduate student loans. Find your best student loan option in minutes.
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Cosigned Loans
Our private student loans with a cosigner offer affordable fixed or variable rates starting at 2.69% APR*.
Non-Cosigned Loans
If you don’t pre-qualify for our credit-based non-cosigned loan, eligible juniors and seniors may apply for our Outcomes-Based Loan without a cosigner.
Parent Student Loans
Our Parent Student Loans help parents, guardians, and sponsors pay for their students' education and invest in their financial future.
Hear from real borrowers
Possibly the easiest process I have ever gone through in order to secure a loan.
Ready to fund your higher education journey?
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Have questions about student loans?
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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.)
Loans subject to individual approval, restrictions and conditions apply. See Terms and Conditions at AscentFunding.com/Rates and AscentFunding.com/Ts&Cs. Loan features and information advertised are intended for Ascent college student loans and are subject to change at any time.
*Annual Percentage Rate (APR). Rates displayed above are effective as of 6/1/2026 and reflect an Automatic Payment Discount of 0.25% on credit-based college student loans submitted prior to 06/01/2025 or a 0.5% discount on credit-based college student loans submitted on or after 06/01/2025 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.
¹Comparison chart is for informational purposes only and is based on publicly available information obtained from competitor websites as of May 2026. While we strive for accuracy, we do not guarantee the completeness, timeliness, or reliability of the data presented. Competitor terms, rates, and features may change without notice. This chart is intended to help users understand general differences among products and services and does not constitute financial advice, an endorsement, or a loan offer. Users should verify all information directly with the respective providers before making any financial decisions. Ascent loans subject to individual approval, restrictions and conditions apply. See Terms and Conditions at AscentFunding.com/Rates and AscentFunding.com/Ts&Cs. Loan features and information advertised are intended for college student loans and are subject to change at any time.