Find the student loan that matches your needs

Whether you're starting college, advancing your degree, or enhancing your career skills, our loan options can help you confidently pursue your educational goals.

We've partnered with Ascent to help you find a student loan with low rates and big advantages. Join over 100,000 people that have trusted Ascent's award-winning student loans to fund their education.

Ascent

✔ Fixed rates starting at 3.59% Annual Percentage Rate (APR)1

✔ Zero fees (seriously!) - no application, origination, disbursement, early repayment, or late fees

✔ 1% cash back at graduation2 and a 0.25% - 1.00% autopay discount3

✔ Up to 40 flexible repayment options, no other student loan offers more

✔ Start payments up to 9 months after graduation4

✔ 12-month cosigner release option5

✔ Access to expert coaching, paid internship opportunities, and career-prep resources with AscentUP6

See your rate in minutes without impacting your credit score.
Sallie Mae
Leading Private Student Loan Lender

✔ Undergraduate Fixed Rates: 3.69% APR - 15.49% APR1 with auto debit discount.

✔ Borrow up to 100% of school-certified expenses3.

✔ Option to fund entire year (if approved).

✔ Pay now or later - choose in-school or deferment repayment option1.

✔ No origination fee or prepayment penalty2.

✔ Cosigner recommended.

Applying online is easy - you could receive a credit result in about 10 minutes.

Disclosures:
1 - Ascent's undergraduate and graduate student loans are funded by Bank of Lake Mills or DR Bank, each Member FDIC. Rates displayed above are effective as of 10/1/2024 and reflect an Automatic Payment Discount of 0.25% on credit-based loans when you enroll in automatic payments. The Full P&I (Immediate) Repayment option is only available for college loans (except for outcomes-based loans) originated on or after June 3, 2024. For more information, see repayment examples or review the Automatic Payment Discount 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 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 repayment examples below, based on the amount of time you spend in school and any grace period you have before repayment begins.

2 - Ascent's 1% Cash Back Graduation Reward is for eligible college students only and subject to terms and conditions. Eligible students must request the graduation reward from Ascent. Learn more at AscentFunding.com/CashBack

3 - Automatic Payment Discount of 0.25% available for Credit-Based Loans and Bootcamp Loans and an Automatic Payment Discount of 1.00% available for Undergraduate Outcomes-Based Loans. Learn more at AscentFunding.com/Ts&Cs.

4 - Loan features and information advertised are valid as of 10/1/2024 and are subject to change at any time. Loans are subject to individual approval. Restrictions, terms, and conditions may apply. See Terms and Conditions at AscentFunding.com/Rates and AscentFunding.com/Ts&Cs.

5 - See full eligibility requirements at AscentFunding.com/BorrowerBenefits. Student borrower must make the request to release a cosigner directly with Launch Servicing or the loan holder. The option to apply to release the cosigner is only available to student borrowers who are U.S. citizens or have U.S. permanent resident status or DACA students and is not available to students who are not a U.S. citizen or U.S. permanent resident.   

6 - Eligibility for the AscentUP platform requires that an applicant be enrolled in an Ascent approved institution who has been conditionally approved for an Ascent loan, either as the borrower or through a parent, grandparent, guardian, or sponsor. Ascent's graduate student loan applicants and consumer loan applicants qualify for access to the AscentUP platform if their approved school has granted access. All Ascent borrowers have access to free AscentUP resources through the AscentConnect mobile app and are eligible to apply for the AscentUP Internship Program. Eligible students must agree to the AscentUP terms of service and privacy policy before accessing the AscentUP platform. Please note that eligibility criteria and program terms are subject to change.

Disclosures:
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

1 - Based on a comparison of the percentage of students who were approved with a cosigner to the percentage of students who were approved without a cosigner from October 1, 2022 to September 30, 2023.

2 - For applications submitted directly to Sallie Mae, loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. Applications submitted to Sallie Mae through a partner website may be subjected to a lower maximum loan request amount. Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half-time.

3 - Only the borrower may apply for cosigner release. To do so, they must first meet the age of majority in their state and provide proof of graduation (or completion of certification program), income, and U.S. citizenship or permanent residency (if their status has changed since they applied). In the last 12 months, the borrower can't have been past due on any loans serviced by Sallie Mae for 30 or more days or enrolled in any hardship forbearances or modified repayment programs. In addition, the borrower must have paid ahead or made 12 on-time principal and interest payments on each loan requested for release. The loan can't be past due when the cosigner release application is processed. The borrower must also demonstrate the ability to assume full responsibility of the loan(s) individually and pass a credit review when the cosigner release application is processed that demonstrates a satisfactory credit history including but not limited to no: bankruptcy, foreclosure, student loan(s) in default or 90-day delinquencies in the last 24 months. Requirements are subject to change.

Unigo is not the creditor for these loans and is compensated by Sallie Mae for the referral of Sallie Mae loan customers. Sallie Mae loans are made by Sallie Mae Bank. SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners.

About Unigo: Unigo is a free marketplace where you can shop for and compare private student loans. We may be compensated by the lenders who appear in our results and on our website. The marketing fees we charge lenders do not affect the terms you may be offered by the lender you choose. Unigo is not a lender. Loan offers from participating lenders that appear also have no affiliation with any college or university referenced. Not all lenders participate in our site and lenders that do participate may not offer loans to every school. We remind users that there are many additional borrowing options available. Shop around and make the choice that's best for you and maximize use of grants and federal aid options whenever possible.

About these results: The results above are estimates intended to be used for comparison purposes only. These estimates are created by Unigo and SimpleTuition. To review official loan terms and disclosures, you will need to visit each lender's website directly. In order to apply for a loan, you must contact the lender directly. We have provided a convenient way for you to reach each participating lender's online application via the 'Apply' button. You must read all of the disclosures and terms of the loan programs being presented on each lender's website prior to applying for a loan. The lender, upon approving you for financing, will provide final information about the terms under which they agree to make financing available to you. It is your responsibility to review the loan program's terms, disclosures and promissory note carefully. Approval for financing lies solely with the lender with which you apply. Unigo is not providing a representation or warranty about your eligibility to receive a private student loan. About the calculations: We have constructed a sophisticated system to both match you to applicable programs and to generate calculated values for such things as monthly payment, APR and total cost of borrowing. These estimates are generated by Unigo and are to be used for comparison purposes only. In order to produce these calculations we rely on information provided to us by lenders and, where applicable, the information you supplied to us about your borrowing needs. We take commercially reasonable efforts to ensure the data we maintain for the purposes of providing our estimates and comparisons are kept up-to-date. However, lenders may change the terms of their programs with little or no notice to us. For the purposes of setting base (or index) rates, we either use the lender-supplied base rate in effect at the time or the rate in effect as published in The Wall Street Journal or on BankRate.com on the first of each month. Some loan programs offer fixed rates while others are variable. This is an important distinction. You can review both variable and fixed rate options by clicking on their individual tabs above the results table. It is up to you to decide which type of loan program is right for you (variable or fixed). Finally, when we calculate Annual Percentage Rate (APR), we take into consideration added costs such as fees, but we do not consider the impact of factors that reduce these costs such as borrower benefits and repayment incentives (see below).

About borrower benefits and repayment incentives: Most lenders offer borrower benefits. We describe what these benefits are when you view our side-by-side comparison. We hope you will take the steps necessary to qualify for any borrower benefits and repayment incentives offered under a particular loan program. However, we do not take these incentives into account in our calculations. Most lenders will not provide an initial disclosure to you that includes these incentives and we have decided to follow suit even though we could display our calculations with these benefits applied. In general, borrower benefits are contingent upon taking certain actions like enrolling in automatic payments (ACH), making on-time payments or other requirements described by your lender. It is your responsibility to ensure that you take the actions needed to receive these incentives.

Sallie Mae: 1. Lowest rate shown includes the auto debit discount. Advertised variable rates are as of 08/25/2023. Click the Sallie Mae Link above and go to the Smart Option Student Loans or the Graduate School Loan sections for important information. Advertised APRs for undergraduate students assume a $10,000 loan to a student who attends school for 4 years and has no prior Sallie Mae-serviced loans. Interest rates for variable rate loans may increase or decrease over the life of the loan based on changes to the 30-day Average Secured Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one percent. Advertised variable rates are the starting range of rates and may vary outside of that range over the life of the loan. Interest is charged starting when funds are sent to the school. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan's Current Principal at the end of the grace/separation period. To receive a 0.25 percentage point interest rate discount, the borrower or cosigner must enroll in auto debit through Sallie Mae. The discount applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. It may be suspended during forbearance or deferment.

Advertised APRs for Graduate School Loan assume a $10,000 loan with a 2-year in-school period. Interest rates for variable rate loans may increase or decrease over the life of the loan based on changes to the 30-day Average Secured Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one percent. Advertised variable rates are the starting range of rates and may vary outside of that range over the life of the loan. Interest is charged starting when funds are sent to the school. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan's Current Principal at the end of the grace/separation period. To receive a 0.25 percentage point interest rate discount, the borrower or cosigner must enroll in auto debit through Sallie Mae. The discount applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. It may be suspended during forbearance or deferment.

Advertising Disclosure: Some loan offers on this site are from advertising clients of Unigo.com. We may receive compensation from these companies. This site does not include all loan companies or all loan offers available in the marketplace.