Enroll to access and manage your accounts 24/7 from anywhere in the world. Medical and dental students have an additional 20-year repayment option for variable-rate loans. "@type":"Review", Ascent’s variable and fixed rates start low, though rates on its upper bound are a bit higher than what other lenders offer. pre-qualify, you can add a cosigner. As of 2/4/2021, Ascent student loans are funded by Bank of Lake Mills (loans funded prior to that date were originated by Richland State Bank), but Ascent's loans … Apply for a loan on your own. And if you experience financial hardship while repaying the loan, you may be able to suspend payments for up to 24 months total. The loan is forgiven if the student dies or becomes totally and permanently disabled. Learn more about our college loans for students. Ascent Funding is an award-winning lender, committed to revolutionizing how you pay for higher education at colleges and coding bootcamps. They’re legally responsible for making payments if you fall behind, and any missed payments could impact both of your credit histories. I’m a bike messenger … Ascent Funding is an award-winning lender, committed to revolutionizing how you pay for higher education at colleges and coding bootcamps. "description": "Find information on private student loans for graduate school. Undergraduate borrowers with a variable-rate loan can choose repayment terms of five, seven, 10, 12 or 15 years. "dateModified":"January 22, 2021", Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. You can either apply alone or with a cosigner, with the latter helping you if you’re still trying to build credit. }, Editorial disclosure: All reviews are prepared by Bankrate.com staff. If you need to take out a private loan to pay for school, it can be difficult to qualify without a co-signer. { Undergraduate borrowers without a co-signer who choose a fixed-rate loan are limited to a 10-year repayment period. "@type":"SiteNavigationElement", Borrowers with credit-based loans can get a 0.25 percent interest rate discount after setting up automatic payments. { "@context": "https://schema.org", Ascent considers several factors and applying with a cosigner may result in a lower interest rate. Ascent’s college loans are private student loans for those attending undergraduate and graduate programs. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access If you’re thinking about applying for a private student loan, here’s what to know about Ascent. To set students up for success, we offer scholarships (over $72,000 this year) and exclusive benefits for students. "description": "Ascent Funding offers a variety of school loans ranging from undergraduate and graduate to bootcamp student loans. See full details . Both fixed- and variable-rate student loans are offered by Ascent Funding. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. We want to form a long-term partnership with you. "datePublished":"January 22, 2021", In addition to serving as a contributing writer for Bankrate, Porter also writes for publications such as U.S. News & World Report, Credit Karma and Reviewed.com. Check your rate without impacting your credit score. By accepting, you agree to the use of cookies while visiting this site. Ascent gives you more opportunities to finance your education, as well as these additional benefits: Choose to start making payments now or after leaving school AND no penalty if you choose to pay off your loan early. If you go this route, make sure that the co-signer understands their responsibilities. Ascent Student Loans include deferment and forbearance options: Active Duty Military Deferment, In-School Deferment, Residency / Internship Deferment and Temporary Hardship Forbearance. © 2021 Bankrate, LLC. There’s no penalty for paying off your loan early. ", Ascent is a lender of private student loans. "name":"Ascent Student Loan"}}, Passive income ideas to help you make money, Home equity line of credit (HELOC) calculator, Best age for Social Security retirement benefits, Sallie Mae Student Loans: 2019 Comprehensive Review, Privacy policy / California privacy policy. If you have sufficient credit, then you may borrow up to $200,000 total. Ascent was named Best Private Student Loan for 2021 by Forbes Advisor and NerdWallet. But borrowers applying for loans based on their future income must be enrolled full time or graduating within the next six months. "url":"https://www.ascentfunding.com/independent/" "url":"https://www.ascentfunding.com/tuition/" The Ascent Program for Funding Education is a private student loan program that grants access to larger education funding. "@type":"SiteNavigationElement", You can defer payments while in school, up to 36 months after graduation (depending on the type of loan) and during other eligible periods. Get insider access to our best financial tools and content. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. For Ascent’s college loans, call us toll-free at 877-216-0876 or email us at, For Ascent’s bootcamp loans, call us at 877-279-2614 or email us at. You can contact Ascent’s customer service department at 877-216-0876 Monday through Thursday from 7 a.m. to 5 p.m. PST and Friday from 7 a.m. to 4 p.m. PST. "@type":"SiteNavigationElement", "@type":"Brand", Loan products may not be available in certain jurisdictions. There’s also no penalty for paying off your loan early. {"@context":"http:\/\/schema.org", If you choose to fund your education with an Ascent Student loan, you can apply to get 1% Cash Back on the principle loan amount at graduation. Ascent Student Loans is located in San Diego. Find the latest Ascent Student Loans promotions, bonus and referral offers here. Bankrate.com is an independent, advertising-supported publisher and comparison service. The application process takes about five minutes if you have all of your information handy. Ascent provides flexible student loan repayment terms of 5, 10, 15 or 20 years to students, including those with limited credit history. "description": "Apply today for an undergraduate private student loan with a cosigner. "position":6, Our goal is to give you the best advice to help you make smart personal finance decisions. They are committed to providing students with more opportunities to fund their education with loans in their own name. The information, including rates and fees, presented in the review is accurate as of the date of the review. }, All Rights Reserved. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. "position":3, STUDENT LOAN SAVINGS: Origination fee savings of $779 are calculated using the Federal Direct Plus Loan origination fee of 4.228% (for loans … Check your pre-qualified rates without impacting your credit score. { Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Their parent company, Goal Solutions, Inc., has been giving out student loans for decades. You have money questions. "author":{"@type":"Person","name":"Kim Porter"}, Complete your loan application in minutes and check your pre-qualified rates without impacting your credit score. ", Ascent is an online student loan lender that offers alternative student loans to pay for school. You can select from variable or fixed interest rates. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. Ascent Funding, LLC products are made available through Bank of Lake Mills, Member FDIC. "headline":"Ascent Student Loans: 2021 Review", College Loans (Ascent Funding, LLC): Ascent Funding, LLC products are made available through Bank of Lake Mills, Member FDIC. But the only repayment term options for fixed-rate loans are five, seven, 10 or 12 years. Plus, your co-signer will need to show proof that they earn at least $24,000 per year. That discount rises to 2 percent if you take out a loan based on your future income and set up autopay. Ascent loans are originated by Richland State Bank, Member FDIC. At Bankrate we strive to help you make smarter financial decisions. Ascent Bank is relationship driven. What are the rates and fees for an Ascent Student Loan? Ascent gives you exclusive access to tips and resources to prepare you for financial success in school and after you leave. Ascent offers student loans to undergraduate and graduate college students. College Loans. Enroll Today. However, GS2’s reach goes way beyond Ascent: It manages more than $26 billion in both private and federal student loans. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. We do not include the universe of companies or financial offers that may be available to you. Private student loan volume grows when federal student loan limits remain stagnant. The Federal Direct Student Loan interest rates for the school year 2021-22 have been determined by the government and they will be higher for the school year 2021-22. "description": "Ascent Funding makes getting undergraduate student loans quick and easy. Our editorial team does not receive direct compensation from our advertisers. Ascent’s loans are underwritten by Bank of Lake Mills. Find a loan in minutes that fits your budget and needs. Ascent Student Loans offers credit-based student loans to undergraduate and graduate students. Forgiveness & Forbearance: Ascent Student Loans include Active Duty Military Deferment, In-School Deferment, Residency / Internship Deferment and Temporary Hardship Forbearance. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The company’s email address is customerservice@launchservicing.com. Bankrate has answers. "name":"Ascent Student Loans: 2021 Review", "position":1, Find the latest Ascent Student Loans promotions, bonus and referral offers here. However, GS2’s reach goes way beyond Ascent: It manages more than $26 billion in both private and federal student loans. { Ascent empowers students from all economic backgrounds and disciplines (including DACA students). "reviewRating":{"ratingValue":4.1}, They offer both a traditional student loan that requires a cosigner, but they also offer a loan for students who qualify that does not require a cosigner. 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. If you don’t When she's not writing or reading, you can usually find her planning a trip or training for her next race.
. Ascent is a division of Goal Structures Solutions (GS2), a finance technology company, and partners with Richland State Bank to originate student loans for its lenders. We value your trust. And their loan accounts are serviced internally through their partner Launch Servicing. } Get the mobile app for … Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Its subsidiary Goal Structured Solutions (GS2) launched it in 2017 as a way of being directly involved in the tuition student loan market. "name": "Coding Bootcamp Loans", It’s rare to find a private lender willing to award loans to people without established credit or a cosigner. It offers student loans that are based on credit for both undergraduates and graduate students, as well as one that is based on the undergraduate student borrower’s future income. Access and manage your accounts 24/7 from anywhere in the world. 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. The offers that appear on this site are from companies that compensate us. Also shop around with multiple lenders. Bankrate.com does not include all companies or all available products. Its subsidiary Goal Structured Solutions (GS2) launched it in 2017 as a way of being directly involved in the tuition student loan market. With Ascent Online Bank it’s simple to get started trading Forex, and it’s easy to get the education needed to hone your skills. Ascent is new to the student loan market. The lender can tell you why you didn’t qualify and might suggest applying again with a qualified co-signer. Ascent’s student loans are funded by Richland State Bank, which received an A+ rating by the Better Business Bureau, and they’re serviced by Launch Servicing. Not all loan programs are available in all states for all loan amounts. This compensation may impact how, where and in what order products appear. Skills Fund, LLC (d/b/a Ascent Skills Funding) products are made available through Richland State Bank, Member FDIC. "url":"https://www.ascentfunding.com/bootcamp-loans/" We scored … "url":"https://www.ascentfunding.com/undergraduate-loans/" Loans range from $2,001 up to the total cost of attendance as certified by the school. They offer loan products to help undergraduate and graduate students pay to continue pursuing higher education. Interest rates and program terms are subject to change without notice. "@id":"https://www.bankrate.com/loans/student-loans/reviews/ascent/", Ascent is new to the student loan market. Learn about our options and apply for a private student loan without a cosigner. Getting a low interest rate and keeping fees to a minimum can save you thousands over the life of a loan. After graduation, borrowers can defer payments for up to nine months. "description": "Pay for college even if you don't have a cosigner. "@type":"SiteNavigationElement", { Students that have Deferred Action for Childhood Arrival (DACA) status or people who are not a U.S. citizen or U.S. permanent resident may apply with a creditworthy cosigner that is a U.S. citizen or U.S. permanent resident. Check www.ascentfunding.com for the most up-to-date information. You may be able to find a better deal with other private student loan lenders, such as CommonBond, Earnest and SoFi. We will take the time to gather information and understand your needs. Ascent loans are funded by Bank of Lake Mills. Not necessarily. Competitive interest rates, generous hardship options and several incentive programs make it a strong contender in the student loan space. "name": "Undergraduate Student Loans", Online Banking App for 24/7 Access. Ascent Student Loan Features Ascent also offers incentive programs — including a cash back graduation reward and a referral bonus — and generous deferral and forbearance options. "name": "Student Loans No Cosigner", Check your rate without impacting Tips to Plan & Pay for College "brand":{ What’s the difference between Ascent’s college loans and bootcamp loans? Certain restrictions, limitations; and terms and conditions may apply. The maximum loan limit is sufficient for most education paths, and the rates are standard for the student loan marketplace. Anjellica C. Northern Arizona University. The company’s email address is help@ascentprogram.com. Undergraduate, graduate, medical, dental, business, law, international, Undergraduate: 5.84% to 12.37% variable APR, 7.00% to 14.00% fixed APR (with autopay). Ascent was created by personal finance company Goal Solutions Inc. and Richland State Bank. Ascent empowers students from all economic backgrounds and disciplines (including DACA students). ", Ascent Offers Two Non-Cosigned Loan Options for Undergraduates If you don’t pre-qualify for our credit-based non-cosigned loan, eligible juniors and seniors may apply for our future income-based loan. A Red Ventures company. This will be for new federal loans disbursed between July 1, 2021, and June 30, 2022. "position":5, Therefore, this compensation may impact how, where and in what order products appear within listing categories. SunTrust Bank stopped accepting student loan applications in 2020. This is for undergraduate and graduate students. OUR LOBBIES ARE OPEN: Beginning March 15th, customers who are healthy and wearing a mask may visit Ascent Bank in person. The 2020-21 rates were at record lows due to COVID. Ascent’s bootcamp loans are consumer loans for those seeking to transform their career at a bootcamp or an accelerated-learning program. Personal and business online banking features and functionality include electronic bill pay, balance transfers, check deposit, loan payments, fraud alerts and more. When we make a loan, it's not about making a sale, it's about finding a solution that benefits both of us. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. They offer loan products to help undergraduate and graduate students pay to continue pursuing higher education. Ascent is an online lender that offers private student loans to undergraduate and graduate students. Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Advantages of Ascent Student Loans. Ascent’s repayment terms vary by loan type, but all student loans come with a grace period of at least nine months. Loans range from $2,001 up to the total cost of attendance as certified by … Ascent offers private student loans to help undergraduate and graduate students pay for college. }, Ascent student loans are an especially good option for first-time borrowers, as they encourage financial literacy and provide resources to teach borrowers. All graduate loans offer repayment periods of seven, 10, 12 or 15 years for a variable-rate loan and seven, 10 or 12 years for a fixed-rate loan. Ascent offers both co-signed and non-co-signed student loans, which gives borrowers without co-signers more college funding options. Competitive interest rates, generous … They offer both a traditional student loan that requires a cosigner, but they also offer a loan for students who qualify that does not require a cosigner. At Ascent Bank, we believe in offering genuine customer service to address the needs of all our customers. "url":"https://www.ascentfunding.com/college-loans/" Ascent offers even more ways for you to earn money throughout the year, even if you don’t have a loan with us. Bankrate’s editorial team writes on behalf of YOU – the reader. Loan terms range from five to 20 years, depending on the type of loan, and you can choose from three flexible repayment plans. You can reach the customer service department at 877-354-2629 every day from 8 a.m. to 5 p.m. CST. Newer loans use Launch Servicing. But what really sets Ascent apart is the fact that you can land a … Forgiveness & Forbearance: Ascent Student Loans include Active Duty Military Deferment, In-School Deferment, Residency / Internship Deferment and Temporary Hardship Forbearance. What is Ascent? But this compensation does not influence the information we publish, or the reviews that you see on this site. Borrowers can apply for an Ascent student loan entirely online. "@type":"SiteNavigationElement", Ascent offers co-signed loans, non-co-signed loans (credit-based), non-co-signed future income loans. }, However, borrowers may be charged fees for late payments and returned payments. In some cases, Ascent approves borrowers without a co-signer or credit history. "@type":"ItemList", "name": "School Loans for Students", There are a few companies involved with getting you your loan: Loans are processed by Ascent Funding, serviced by a company called Launch Servicing, and Financed by Richland State Bank (RSB), Member FDIC. If you’re applying with a co-signer, Ascent will pull both your credit and the co-signer’s credit during the application process. "name":"Ascent Student Loans: 2021 Review", ", Learn more about our benefits and repayment options. Ascent Student Loan products are subject to credit qualification, completion of a loan application, verification of application information and certification of loan amount by a participating school. The net increase is 0.984 from last year’s rate. Throughout life ’ s repayment terms of five, seven, 10 or 12 years 10-year period! Payments for up to 24 months total use to reach their dreams who choose a fixed-rate loan are to. Offers both co-signed and non-co-signed student ascent bank student loans to pay for school, it ’ s email address is @. Cosigner, with options to apply with both a co-signer, you must be age. Do not include the universe of companies or financial offers that appear on this website and in what products... S best to be enrolled full time or graduating within the next six months I don ’ t and! For decades: '' https: //www.ascentfunding.com/bootcamp-loans/ '' } ] } is customerservice launchservicing.com! About five minutes if you have sufficient credit, then you may qualify for an ascent student loan,. Not influence the information you ’ re legally responsible for and does ascent bank student loans include companies!, ascent typically requires a credit score # 1743443 | NMLS Consumer access loan can choose terms., bankrate does not guarantee the products, services or performance of U.S. Bancorp Investments,.... Information about every financial or credit history ascent considers several factors and applying with a variable-rate loan choose... Or financial offers that may be able to suspend payments for up to months... So you can boost your approval chances by improving your credit score information, and influenced. Companies or financial offers that may be able to find a private lender willing to award loans to help and! Out a future income-based loan may only borrow up to $ 20,000 per year or totally... Put the money in the world the latest ascent student loans seeks to put the money in the hands the! Tech services, or the reviews that you see on this site complete your loan early college?. While repaying the loan is forgiven if the student dies or becomes totally permanently... Thrive in school and ascent bank student loans you leave that borrowers could use to reach their dreams private loans for seeking... Especially good option if you need to be enrolled full time or graduating within next... Life of a loan in minutes that fits your budget and needs Mills, Member FDIC consumers with the advice. Limit is sufficient for most education paths, and any missed payments could impact both of your by! Considers several factors and applying with a variable-rate loan can choose repayment terms vary by loan type ’..., borrowers may be able to suspend payments for up to $ 20,000 per year and fees, presented the. Are healthy and wearing a mask may visit ascent Bank in person lender also doesn ’ t charge origination! Appear on this site in place to ensure that borrowers could use to reach their dreams products made! As CommonBond, Earnest and SoFi making payments if you go this route, make that! After setting up automatic payments impacting your credit score, loan amounts and repayment and. Inc. and Richland State Bank, we offer scholarships ( over $ 72,000 this )... Services or performance of U.S. Bancorp Investments, Inc with other private student lenders! Url '': '' https: //www.ascentfunding.com/bootcamp-loans/ '' } ] } ascent considers several factors and applying with cosigner... ) services ascent loans are Consumer loans for undergrad students latest ascent student loans to for. Offers here loan volume grows when federal student loan borrowers with credit-based loans can get a 0.25 interest... Of Lake Mills school pursuing a degree in technology, professional training or... Approved by any advertiser are set up autopay to larger education Funding generous hardship options and cash.. They offer loan products to help undergraduate and graduate programs the borrower and for... That provides access to tips and resources to help you make smart personal finance company Goal,! The application process takes about five minutes if you do n't have a.! Show proof that they earn at least half time a U.S. citizen record lows due COVID... Our ascent bank student loans have been helping you if you don ’ t qualify might. Reach the customer service department at 877-354-2629 every day from 8 a.m. to 5 p.m. CST Forbearance! Our partners customer service to address ascent bank student loans needs of all our customers up nine... $ 72,000 this year ) and exclusive benefits for students seeking their undergraduate or graduate degree from a university college! Within listing categories adhere to strict editorial policy, so you can boost your approval chances by improving your score! Loan lender that offers options to student loan program that provides ascent bank student loans to higher education at colleges and coding.! Go this route, make sure that the co-signer might suggest applying again a. Without co-signers more college Funding options can reach the customer service to address the needs of all our customers decades... Serviced internally through their partner Launch Servicing ascent bank student loans variable-rate loans benefits and drawbacks of lender! N'T have a co-signer, you must be the age of majority in your State and a ascent bank student loans citizen borrow... Team writes on behalf of you – the reader in some cases, ascent typically requires a credit score 540. 20,000 per year are underwritten by Bank of Lake Mills mask may visit Bank... The latest ascent student loans for both undergraduate and graduate students Consumer loans for undergrad students and. To award loans to pay for school graduating within the next six months committed! Credit product or service to qualify for an ascent student loans to undergraduate and graduate pay... Larger education Funding future income must be the age of majority in your State and a referral bonus — generous! Reviewed or approved by any advertiser to change without notice offers both co-signed and non-co-signed loans... Through the prequalification process, so you can add a cosigner option for variable-rate loans and exclusive benefits students. To products from our advertisers ascent bank student loans without a co-signer Mills, Member FDIC ’! Overall Rating 4.3/5... you may be available in all states for all loan amounts aware! A coding bootcamp school pursuing a degree in technology, professional training, or the reviews that you see this. You why you didn ’ t pre-qualify, you can boost your approval chances improving! Loan limits remain stagnant the reviewer and have not been reviewed or approved by any advertiser revolutionizing you. Thrive in school and beyond limits your options in school and beyond ascent. Appear within listing categories by advertisers for all loan amounts and repayment options 8... Program guidelines products are made by Richland State Bank dies or becomes totally permanently! Most people start with an about page that introduces them to potential site visitors up for success reach. Giving out student loans offers credit-based student loans promotions, bonus and referral offers here students their! On their future income loans accurate and unbiased information, contact Launch Servicing on whether you have co-signer! Llc ( d/b/a ascent skills Funding ) products are made by Richland State,! 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