Best Student Loans for 2025

Top-Ranked Choice for Students & Parents

• Rates starting at 3.47% APR¹
• Choice of Fixed or Variable Interest Rates
• Multiple repayment options including no payments during school.²
• Borrow 100% of your school-certified expenses.³
• Apply in as little as 3 minutes and get an instant credit decision.
• No origination fee or prepayment penalty.³
• Choice of loan terms (years you take to repay) 5, 8, 10, or 15 years ³

• Fixed rates from 3.49% to 15.49% APR¹ and Variable rates from 4.54% to 14.71% APR¹
• Whether you are studying online or on campus, borrow up to 100% of the school-certified expenses for the entire school year.²
• Choose from multiple repayment options to suit your budget¹. No origination fee or prepayment penalty.³
• Lowest rates shown include Auto Debit Discount.¹
• Consider adding a cosigner: Last year, students were nearly 4X more likely to be approved with a cosigner⁴ and it may help you get a better rate.

• Covers up to 100% of the school certified cost of attendance
• 9 month grace period (3 months more than most lenders)²
• Flexible repayment options (5, 7, 10 and 15 year loan terms)
• No fees for origination, disbursement, prepayment, or late payment
• Skip a payment once per year (once repayment period restarted)³

• Actual prequalified rates from multiple lenders in 3 minutes.
• Checking rates on Credible is free and will not impact your credit score.
• Flexible repayment plans: deferred, interest only, and many others for all financial needs.
• Finance almost any degree and cover up to 100% of your school-certified costs after financial aid.

• Cash back. After graduation, you may be eligible to get 1% of your loan back as a cash reward.
• Referral bonus. Tell your friends about Ascent, and you could earn up to $525.
• No fees. You’ll pay no money to open an account, make a payment, or handle other routine tasks.
• Small loans. Some students need to borrow large amounts every year. Ascent offers loans as big as $200,000, but if you need just $1,000, they can help you too.