Outcomes-Based Lending

We take a different approach to lending, one that relies on analytics and commonsense decision-making to inform smarter investments with positive outcomes. It started with our student loan programs, which strives to fix what’s broken with the traditional model for higher education lending.

Our customized solutions help students realistically consider the return on their investment and borrow more responsibly. And we intend to apply that disruptive, outcomes-based approach to other asset classes, including solar and home improvement.

Lending Programs


Loan program design

We can facilitate custom tuition financing and loan programs for schools that are based on both their needs and the needs of their students. Our programs allow for different levels of participation and risk sharing.

Student lending

Traditionally, higher education loans have been based solely on credit scores. That’s fundamentally problematic because most college students have minimal or nonexistent credit histories, which makes it difficult for them to get favorable loan terms and/or requires the help of cosigners. We take a more holistic view, taking into account a student’s creditworthiness, school, program or major choice, cost of attendance, graduation date, and other factors.

We’ve been working collaboratively in the student loan industry for more than a decade and constantly evolve our loan program offerings to meet the changing needs of students and schools.

Disrupting the way lending is done

A wholly-owned subsidiary, Ascent Student Lending, is a student loan company that has pioneered results-based lending programs for independent and co-signed higher education loans.

Ascent Student Loans is built around one guiding principle above all others: Student loans should expand your possibilities, not limit them. That’s why Ascent gives students more opportunities to qualify for a loan in their own name.