Is Ascent - Non-Cosigned Student Loans the right fit for you?
Last Updated: 06/08/2026
SuperMoney User Recommendation Score +67
Strongly recommended6 total votes
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Highlights
Community Rating
Strongly recommended
Fixed APR
6.80% - 15.36%
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Variable APR
5.60% - 14.06%
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Amount Range
$2,001 - $20,000
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Number of Reviews
Ascent - Non-Cosigned Student Loans Review
Ascent - Non-Cosigned Student Loans is offered through Ascent Funding LLC, founded in 2016 and based in San Diego, CA. It is made possible by a bank partnership with Bank of Lake Mills. Ascent - Non-Cosigned Student Loans are available in 50 states and Washington, DC.
Ascent - Non-Cosigned Student Loans FAQ
What rates does Ascent - Non-Cosigned Student Loans offer for in-school private student loan?
Ascent - Non-Cosigned Student Loans has a variable APR that ranges from 5.60% up to 14.06% .
It offers a fixed APR that ranges from 6.80% up to 15.36% .
Rate is quoted with autopay discount*.
Many students have little or no credit history when they start college. By having a parent or other creditworthy individual cosign the loan, the student may improve their chance of approval or qualify for lower interest rates.
How much can you borrow from Ascent - Non-Cosigned Student Loans?
Available loan amounts may vary by applicant but Ascent - Non-Cosigned Student Loans has a minimum loan amount of $2K and offers loans up to $20K.
Does Ascent - Non-Cosigned Student Loans charge an origination fee?
No, Ascent - Non-Cosigned Student Loans does not charge a loan origination fee.
A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.
Does Ascent - Non-Cosigned Student Loans charge prepayment fees?
No, Ascent - Non-Cosigned Student Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.
What terms does Ascent - Non-Cosigned Student Loans offer?
Ascent - Non-Cosigned Student Loans provides repayment terms ranging from 5 to 15 years.
What type of borrowers will Ascent - Non-Cosigned Student Loans consider?
Ascent - Non-Cosigned Student Loans considers loans applications from:
What do you need to qualify for Ascent - Non-Cosigned Student Loans?
Applicants with a credit score of at least 540 and up to 850 may be eligible for Ascent - Non-Cosigned Student Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Ascent - Non-Cosigned Student Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Ascent - Non-Cosigned Student Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Proof of citizenship or residence permit
Is Ascent Funding LLC a legit company?
Ascent Funding LLC was founded in 2016, it is a well-established company that has been in business for 10 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.
Ascent - Non-Cosigned Student Loans Disclosure: *Ascent's undergraduate and graduate student loans are funded by Bank of Lake Mills or DR Bank, each Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations, terms and conditions may apply for Ascent's Terms and Conditions please visit AscentFunding.com/Ts&Cs. Annual Percentage Rates (APRs) displayed are effective as of 05/01/2026 and reflect an Automatic Payment Discount (ACH). The ACH discount consists of 0.25% on credit-based college student loans submitted prior to 6/1/2025, a 0.5% discount for on credit-based college student loans submitted on or after 6/1/2025 and a 1.00% discount on outcomes-based 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. 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. 1% Cash Back Graduation Reward subject to terms and conditions. For details on Ascent borrower benefits, visit AscentFunding.com/BorrowerBenefits. Ascent 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. The following examples for a $10,000 loan show a 48-month in-school period plus 9 months of grace prior to a full repayment term for 60-months (variable rate), with examples of (i) Interest Only payments, (ii) $25 Minimum payments, (iii) Deferred repayment, and (iv) Immediate Repayment options. * Interest Only Repayment: 5.90% APR, with 57 payments of $49.17 while in-school/grace, 60 payments of $192.88 during the repayment term, and a total cost of $14,376.53. * $25 Minimum Payment: 6.53% APR, with 57 payments of $25.00 while in-school/grace, 60 payments of $234.12 during the repayment term, and a total cost of $15,471.73. * Deferred Repayment: 6.71% APR, with no payment while in-school/grace, 60 payments of $270.31 during the repayment term, and a total cost of $16,181.14. * Immediate Repayment: 3.65% APR, with 60 payments of $182.6, and a total cost of $10,955.77. The following examples for a $10,000 loan show a 48-month in-school period plus 9 months of grace prior to a full repayment term for 180-months (highest variable rate), with examples of (i) Interest Only payments, (ii) $25 Minimum payments, (iii) Deferred repayment, and (iv) Immediate Repayment options. * Interest Only Repayment: 16.06% APR, with 57 payments of $133.75 while in-school/grace, 180 payments of $147.26 during the repayment term, and a total cost of $34,130.81. * $25 Minimum Payment: 14.46% APR, with 57 payments of $25.00 while in-school/grace, 180 payments of $242.08 during the repayment term, and a total cost of $44,997.01. * Deferred Repayment: 14.89% APR, with no payment while in-school/grace, 180 payments of $281.22 during the repayment term, and a total cost of $49,857.65. * Immediate Repayment: 15.81% APR, with 180 payments of $145.54, and a total cost of $26,193.91.
View Ascent - Non-Cosigned Student Loans's published terms & conditions
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Message from Ascent - Non-Cosigned Student Loans
Other Services by Ascent Funding LLC
Other Private Student Loans from Ascent Funding LLC
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Ascent - Cosigned Student Loans
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Fixed APR
2.69% - 16.86%
Variable APR
3.65% - 16.06%
Amount Range
$2K - $200K
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +67, or 4.3 on a 5-point rating scale.
+67
-1000+100
No one recommends
Everyone recommends
Ascent - Non-Cosigned Student Loans Community Reviews
Would you recommend Ascent - Non-Cosigned Student Loans to your friends?
SS
Steven S.
Aug 29, 2023
May or may not recommend
Seems like a good time to look up on a student loan before rates go up
U
Anonymous
Apr 3, 2023
May or may not recommend
I would absolutely recommend for the working class citizen using the Ascent- Non co-signing private student loan product in 2023 student college term-semester. Thank you Ascent!!
KC
Keana C.
Nov 30, 2022
May or may not recommend
Great lender. They absolutely go above and beyond to get you the best rates. I was recommended this lender during a rough time in undergrad. I am so glad I used this lender.
IG
Ian G.
Feb 22, 2022
May or may not recommend
This is a way to get a student loan without a co-signer. The rates are not quite as good as other loans so if you qualify for other loans, this might not be your best deal. I suggest that you shop around for the best rates based on your situation and lock in the rate as soon as you can because interest rates are going to rise.
JO
Jomiloju O.
Jan 10, 2022
May or may not recommend
I was about to drop out of college when a friend recommend this loan to me. Honestly, the loan is definitely the best for undergraduates. But, I wish the bank can increase the maximum amount one can borrow.
OA
Omolola A.
Jan 5, 2022
May or may not recommend
If it is possible, I will give this student loan a 1000% rating. I got this loan when my tuition fee suddenly increased. With no co-signer, I was given up to $11,000 without any hitch. To be candid, I didn’t believe such companies like Ascent still exist in this day and age.
Showing 6 of 6 reviews
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