Private Parent Loans

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It is recommended to visit each lender's overview page to gauge an in-depth understanding of that lender's terms, benefits and customizability options. For example, looking at what terms, repayment plans, graduate rewards and risk benefits can help you decide which option is best based off your individual needs. It is also encouraged to investigate each scholarship offered to help possibly lower the overall cost of college financing.

We may be paid compensation for the products offered below. This by no means influences what we say or how we portray those products. Pluto is meant to help, not hinder your education funding.

Products are organized from the lowest average fixed rate to the highest average fixed rate (For example: if a lender's fixed rates are between 4.03% -- 16.24% APR, their average fixed rate would be 10.14% because (4.03 + 16.24)/2 = 10.135). Each lender is given a number out of 5 stars as well. This number is determined based off of the amount of customizability, benefits, and rewards that could be available. However, don't let a lower number stop you if you believe that product is your best option.

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Disclosures

Ascent Disclosure:

Ascent’s undergraduate and graduate student loans are funded by Bank of Lake Mills or DR Bank, each Member FDIC.

*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 above are effective as of 10/1/2025 and reflect an Automatic Payment Discount 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. For more information, see repayment examples or review the Ascent Student Loans 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 (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.

1) Only Ascent college loans are eligible for no fees. Ascent career training loans are subject to a one-time origination fee of 5.0% of the loan amount. All Ascent loans are eligible for no application, disbursement, late, NSF or early payment fees.

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. 1% Cash Back Reward amount dependent upon total loan amount for Ascent college loan borrowers. Aggregate cash back limit of $500.

3) The final ACH discount approved depends on the borrower’s credit history, verifiable cost of attendance, and is subject to credit approval and verification of application information. Automatic Payment Discount consist of 0.25% is for credit-based college student loans submitted prior to 06/01/2025, a 0.5% on credit-based college student loans submitted on or after 06/01/2025, and a 1.00% discount on outcomes-based college student loans when you enroll in automatic payments. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.

4) Loan features, rates, and information advertised are valid and based on rates as of 8/1/2025. These are subject to change at any time, please visit our website at AscentFunding.com/Rates and AscentFunding.com/Ts&Cs for up-to-date information. Loans are subject to individual approval. Restrictions, terms, and conditions apply.

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