How ELFI Works

With comprehensive options for consolidating and refinancing student loans, ELFI is a leader in education loan refinancing. Just follow the 5 easy steps below.

Step 1

introduce yourself

Simply fill out our application to let us know a little bit about you and get the ball rolling.

Step 2

get prequalified

We’ll run your credit, ask a few questions, and offer a preliminary decision in minutes.

Step 3

upload documents

We’ll just need a few more things and once verification is complete, if approved, you’ll receive a firm interest rate offer.

Step 4

sign & set-up

Sign our loan agreement electronically and set up auto-debit payments.

Step 5

sit back & relax

Enjoy the benefits that come from finding a student loan repayment plan that works with your budget.

You could save hundreds each month and thousands over time. Try our payment estimator to find your ideal plan.

Application Process

Our streamlined application process makes the refinancing process easier and the repayment period less stressful. With just a few short steps, you too could enjoy the benefits of refinancing with the possibility of lower student loan consolidation rates or lower monthly payments.

If you have any questions about whether student loan refinancing is a good fit for you, the consolidation specialists at 1-844-601-ELFI can provide a no-hassle, objective consultation to help you make an informed decision about your unique financial situation.

Getting Started

Ready to get started with ELFI?