- Fixed rates starting at 3.44 Annual Percentage Rate (APR)
- Zero fees – no application, origination, disbursement, early repayment, or late fees
- 1% cash back at graduation and a 0.25% - .5% autopay discount
- 12-month co-signor release program
- Disclosures
Your Step-By-Step Guide To Choose the Best Student Loan
With Parent PLUS loans at around 9% plus a 4% origination fee, and the uncertainty surrounding the future of the PLUS loan program, borrowers with strong credit can often secure better rates in the private sector.
Step 1: Maximize Federal Direct Student Loans
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Start by utilizing your Federal Direct Student Loans, which cover up to $5,500 of your gap for the Freshman year.
Step 2: Get Approved with Ascent Student Loans
Why Ascent?
✅ Fixed APRs starting as low as 3.44%*
✅ Soft Credit Pull – No impact to your credit score
✅ Co-Signer Release Program available
✅ No Origination Fees³
✅ Transparent, Competitive Rates you can trust
✅ Direct support to guide you through your options
✅ Exclusive, favorable terms available through the power of our CAP community
Thanks to the strength and influence of the College Aid Pro community, we've secured exclusive student loan options with Ascent—available only to CAP families!
Step 3: Explore Other Lenders - State & Private
- Check other private lenders such as Sofi Student Loans or Abe Student Loans or compare all student loans options here.
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Check state-specific lenders in Massachusetts, Rhode Island, Iowa
Step 4: Compare Private Loan Rates to the Federal PLUS Loan*
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Make sure to compare the private loan rates you receive with the Federal PLUS Loan to ensure you're making the best financial choice.