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*Ascent’s undergraduate and graduate pupil loans are funded by Financial institution of Lake Mills or DR Financial institution, every member of the FDIC. Mortgage Merchandise might not be obtainable in sure jurisdictions. The Ascent Phrases of Use could also be topic to sure limitations, restrictions, and phrases of use. Go to AscentFunding.com/Ts&Cs.
Annual Share Charges (APR) proven are efficient as of February 1, 2026 and mirror automated cost reductions (ACH). The ACH low cost consists of a 0.25% low cost for credit-based school pupil loans submitted earlier than June 1, 2025, a 0.5% low cost for credit-based school loans submitted after June 1, 2025, and a 1.00% low cost for performance-based loans when enrolled in automated funds. Loans are topic to separate approvals, restrictions, and circumstances. Marketed mortgage options and data are for faculty pupil loans and are topic to alter at any time.
The ultimate authorized quantity is set by the borrower’s credit score historical past, verifiable value of attendance licensed by eligible faculties, and is topic to credit score approval and utility info verification. Lowest rates of interest require full (instant) cost of principal and curiosity, shortest mortgage time period, cosigner, and can be found solely to essentially the most credit-worthy candidates and cosigners with the best common credit score scores. The precise annual rate of interest you’re provided could also be larger or decrease than the instance above, primarily based on the time you spend in class and the grace interval earlier than reimbursement begins. Variable charges might enhance after completion. 1% cashback commencement reward topic to phrases and circumstances. To study extra about Ascent Borrower Advantages, go to AscentFunding.com/BorrowerBenefits. Ascent Candidates and Debtors who comply with AscentUP’s Phrases of Use and Privateness Coverage, and college students related to Ascent father or mother mortgage functions, might entry the AscentUP Platform.
The $10,000 mortgage instance under reveals a 48-month tenure plus a 9-month grace interval to a 60-month full reimbursement interval (variable charge). Examples embody (i) interest-only funds, (ii) $25 minimal cost, (iii) deferred cost, and (iv) instant reimbursement choices.
Curiosity-only reimbursement: 6.17% APR, 57 funds of $51.42 in the course of the in-school/grace interval, $194.14 in 60 funds in the course of the reimbursement interval, whole value of $14,580.18.
Minimal Cost of $25: 6.76% APR, 57 funds of $25.00 throughout enrollment/grace interval, 60 funds of $238.17 throughout reimbursement interval, whole value is $15,715.33.
Deferred reimbursement: 6.94%, no funds throughout enrollment/grace interval, 60 funds of $274.33 throughout reimbursement interval, whole value $16,442.48.
Rapid reimbursement: 4.17% APR, 60 funds of $184.94, whole value $11,096.48.
The $10,000 mortgage instance under reveals a 48-month tenure plus a 9-month grace interval to a 180-month full reimbursement interval (most variable charge). Examples embody (i) interest-only funds, (ii) $25 minimal cost, (iii) deferred cost, and (iv) instant reimbursement choices.
Curiosity-only reimbursement: 14.58% APR, 57 funds of $121.42 in the course of the in-school/grace interval, $137.06 in 180 funds in the course of the reimbursement interval, whole value of $31,592.42.
Minimal cost of $25: 13.51% APR, 57 funds of $25.00 throughout enrollment/grace interval, 180 funds of $220.02 throughout reimbursement interval, whole value is $41,030.37.
Deferred reimbursement: 14.34%, no funds throughout enrollment/grace interval, 180 funds of $266.71 throughout reimbursement interval, whole value $47,302.81.
Rapid reimbursement: 14.33% APR, 60 funds of $135.38, whole value $24,369.53.
