Ascent is built around one guiding principle: Student loans should expand possibilities, not limit them. That’s why Ascent created a private student loan program that gives students more opportunities to qualify for a loan, with or without a cosigner. Ascent encourages transparency and financial wellness by incorporating financial education into the application process, preserving the notion that an education is an investment where students and families should understand the return on their investment relative to the cost. Ascent offers benefits (such as 1% cash back, scholarships, a Refer a Friend Program, a Rewards Program, and more) as well as resources that set students and families up for financial success.
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Is Ascent Funding legit?
Ascent Funding (www.ascentfunding.com) has a 4.4 out of 5 rating on OK.one, based on 106 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 83% of reviews are 4 stars or higher and 9% are 1 star; The business has replied to 15% of negative reviews; Reviews mostly discuss User experience, Customer service. Last updated 2026-09-02.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Consumers frequently highlight that the financial application process is exceptionally smooth, fast, and very easy to navigate without ever encountering unnecessary stress. The staff and customer service teams are widely praised for being professional, highly supportive, and genuinely helpful throughout the entire loan journey.
However, some reviewers were not happy with the payment terms, mentioning confusing details about accruing interest and overly rigid repayment options. A few people also felt that communication regarding billing amounts was inconsistent, noting difficulties when trying to resolve issues or speak directly with support.
Auto-generated from all reviews of this business. For reference only.
ASCENT IS COMPLETE GARBAGE AND SO IS EVERYONE INVOLVED.
Thinkful (Chegg) and Ascent took full advantage of me when my brain was down and out after amygdala damage from a whiplash injury. I was barely functional, couldn’t think straight, and these parasites still pushed their overpriced program on me like vultures. Absolute predators.
Sam Bernstein, the State of Michigan, and every single one of its doctors and lawyers can all go to hell. Y’all are trash. Straight-up trash. You failed me, ignored me, and left me hanging while these “education” scammers ran off with whatever they could squeeze out of a damaged brain.
Zero stars. Refund my life.
Straightforward application and disbursement process. I applied, was approved for a student loan within a week, and the disbursement was processed by my university during the first week of classes. This straightforward loan process took a lot of stress off my shoulders. Thank you!
Easy process, big problem getting in touch later though
Very easy loan process, that much is appreciated. Unforutnately it is impossible to get in touch with someone to assist in how my overpayments are allocated. I have tried calling and get stuck in an endless loop of IVR options that don't apply to what I am calling about. I have emailed and the response I get is to call the number to speak to them. Very frustrating, don't understand why you can't call and speak to a representative.
They gave us the cheapest rate, application itself was easy, multiple options for repayment. We did not get to pick the term; they chose 10 years for us
EVERYTHING about my experience was great! How unexpected and what a blessing for me and my family, while I pursue a new career. Not only was the process easy, everything was done online, with just a few clicks. I stayed informed throughout the process, and I understand the repayment process fully. This loan has made all of the difference in the world. I'm in an intense Bootcamp, and I didn't know how I was going to get by these next 15 weeks. With me not having to worry about money, I can just concentrate on my studies.
Thank you Ascent!
The APR was the best by far vs other lenders, the process was very smooth, efficient, and payment was dispersed very quickly. The application and website was easy to use. While it is daunting to borrow this significant amount of money, at least it wasn't a harrowing process to do so!
