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Student Loans

Investing in education is always a smart idea.

Student Loans

Private student loans are essential when scholarships, grants, and federal loans don’t cover the full cost of education. They provide the extra funding needed to bridge the gap, ensuring you can pursue your degree or training with financial peace of mind. If you need assistance making higher education happen at a degree-granting institution for yourself or a child, consider student loans by Ascent® or Sallie Mae®.

Ascent Logo

Ascent makes student loans accessible to those who might not qualify for other types of financial aid. They offer both undergraduate and graduate loan options, with or without a cosigner, and no payments until 9 months after graduation1.

  • Affordable variable and fixed interest rates
  • Up to 40 flexible repayment options
  • Get a 0.5% - 1.00% interest rate discount with autopay2
  • No application, disbursement, prepayment, or late fees3
  • Earn a 1% Cash Back Graduation Reward4
  • 12-Month cosigner release option5 once requirements are met

Apply for up to 100% of your college expenses in under 3 minutes without impacting your credit score.

Explore Ascent Options

Illustration of a person reading a book next to a very large backpack
Sallie Mae Logo

While it’s smart to start with grants, scholarships, and federal student loans, sometimes additional support is necessary. Sallie Mae offers loans for undergraduates, graduates, and career training students, helping you achieve your educational goals with confidence.

  • Competitive variable and fixed interest rates
  • Multiple repayment options
  • Get a 0.25 percentage point interest rate discount with auto-debit6
  • No origination fee or prepayment penalty7
  • Borrow $1,000 to 100% of the school-certified expenses8
  • Borrowers can apply for cosigner release option once requirements are met9

Explore Sallie Mae Options

Educational Resources

All loans subject to approval.

Ascent Funding, LLC products are made available through Bank of Lake Mills or DR Bank, each Member FDIC.

Ascent reserves the right to modify or discontinue (in whole or in part) these loan programs and their associated services and benefits at any time without notice.

1 For details on Ascent borrower benefits, visit AscentFunding.com/BorrowerBenefits. 2 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. 3 Loan features and information advertised are valid as of 9/1/2024 and are subject to change at any time. Loans subject to individual approval, restrictions and conditionals apply. See terms and conditions at AscentFunding.com/Rates. 4 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 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.

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

Sallie Mae loans are made by Sallie Mae Bank.

SAFE Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

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.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

6 The borrower or cosigner must enroll in auto debit through Sallie Mae to receive a 0.25 percentage point interest rate reduction benefit. This benefit 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. 7 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal. 8 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 will be subject 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. 9 Only the borrower may apply for cosigner release. To do so, they must first meet the age of maturity 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.