Ascent Student Loans

in Private Student Loans from Ascent Funding LLC

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Ascent Student Loans


in Private Student Loans from Ascent Funding LLC

SuperMoney Net Recommendation Score +100%



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Strongly recommended

6 users recommend
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Community Rating Strongly recommended
Loan Amount $1,000 - $200,000
Fixed APR 3.34% - 13.57%
Variable APR 2.46% - 12.40%
Number of Reviews 6

Ascent Student Loans Review

Ascent Student Loans is offered by Ascent Funding LLC, founded in 2016 and based in San Diego, CA. It is made possible by a bank partnership with Richland State Bank. Ascent Student Loans is available in 50 states (and Washington, DC).

Ascent Student Loans FAQ

What rates does Ascent Student Loans offer for in-school private student loan?

Ascent Student Loans has a variable APR that ranges from 2.46% up to 12.40%.

It offers a fixed APR that ranges from 3.34% up to 13.57%.

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 Student Loans?

Available loan amounts may vary by applicant but Ascent Student Loans has a minimum loan amount of $1K and offers loans up to $200K.

Does Ascent Student Loans charge an origination fee?

No, Ascent 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 Student Loans charge prepayment fees?

No, Ascent 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 Student Loans offer?

Ascent Student Loans provides repayment terms ranging from 5 to 15 years.

What type of borrowers will Ascent Student Loans consider?

Ascent Student Loans considers loans applications from:

  • undergraduate students
  • graduate students

What do you need to qualify for Ascent Student Loans?

Applicants with a credit score of at least 540 and up to 850 may be eligible for Ascent Student Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for private student loans with Ascent Student Loans, applicants need a minimum annual income of $24,000 or higher. Ascent Student Loans only considers borrowers who are employed and meet the minimum income requirement.

U.S. citizens are, of course, eligible for the services offered by Ascent Student Loans. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Proof of citizenship or residence permit
Ascent Student Loans Disclosure: *Ascent Student Loans are funded by Richland State Bank (RSB), Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and Conditions please visit: Rates are effective as of 12/01/2020 and reflect an automatic payment discount of either 0.25% (for credit-based loans) OR 2.00% (for undergraduate future income-based loans). 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. For Ascent rates and repayment examples please visit: 1% Cash Back Graduation Reward subject to terms and conditions. Click here for details. Cosigned Credit-Based Loan 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. View Ascent Student Loans's published terms & conditions.
SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


  • Headquarters
  •   501 W. Broadway Ste. A150
    San Diego, CA 92101
  •   Visit Site

About Ascent Student Loans

Message From Ascent Funding LLC

Ascent gives students even more ways to earn money for college. Ascent is giving away over $50,000 in scholarships this year! Students can easily enter for a chance to win – NO ESSAY required. Ascent also helps students pay for college with their Refer A Friend Program. You can earn up to $525 for each friend you refer!


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Application Fee $0
No Origination Fee  
No Prepayment Fee  
Co-signing Allowed  
Cosigner Optional  
Credit Score Range 540 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age 18
Minimum Annual Income $24,000
Verification Documents Required
  • Proof of Income
  • Proof of citizenship/residence (Green Card)
Loan Term 5 - 15 years
Fixed APR 3.34% - 13.57%
Variable APR 2.46% - 12.40%
Loan Amount $1,000 - $200,000

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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