Refinance Options

Our process is streamlined to provide you with a customized loan amount and repayment plan that fits your needs and is delivered in one easy monthly payment.

Choose a loan that fits your budget

Below are sample payments for a $25,000 loan using each of Education Loan Finance’s student loan refinance options*. Your actual interest rate may be different than the rates in these examples and will be based on the term of the loan, your financial history, and other factors, including your cosigner’s (if any) financial history.

Education Loan Finance borrowers never pay application fees, origination fees, or prepayment penalties. Refinancing your student loans with Education Loan Finance is already rewarding, but we have an extra reason for you to speed up the process.

Earn $100 bonus cash with the Education Loan Finance Fast Track Bonus! Learn more about the Fast Track Bonus Program.


Variable Rate Loans

5 YEAR

$442.47


TO



$471.67

MONTHLY PAYMENTS

2.39% - 4.99% APR

60 Payments

Total Payments:

$26,548.35 - $28,299.98

7 YEAR

$325.29


TO



$354.99

MONTHLY PAYMENTS

2.55% - 5.14% APR

84 Payments

Total Payments:

$27,324.08 - $29,819.55

10 YEAR

$241.98


TO



$269.96

MONTHLY PAYMENTS

3.05% - 5.39% APR

120 Payments

Total Payments:

$29,037.51 - $32,394.61

15 YEAR

$178.11


TO



$207.60

MONTHLY PAYMENTS

3.45% - 5.75% APR

180 Payments

Total Payments:

$32,059.34 - $37,368.45

20 YEAR

$147.44


TO



$179.25

MONTHLY PAYMENTS

3.69% - 6.01% APR

240 Payments

Total Payments:

$35,386.23 - $43,020.49

Fixed Rate Loans

5 YEAR

$451.33


TO



$483.20

MONTHLY PAYMENTS

3.19% - 5.99% APR

60 Payments

Total Payments:

$27,079.87 - $28,992.23

7 YEAR

$340.00


TO



$370.99

MONTHLY PAYMENTS

3.85% - 6.48% APR

84 Payments

Total Payments:

$28,559.72 - $31,163.49

10 YEAR

$258.49


TO



$286.29

MONTHLY PAYMENTS

4.45% - 6.69% APR

120 Payments

Total Payments:

$31,019.27 - $34,355.13

15 YEAR

$196.27


TO



$220.40

MONTHLY PAYMENTS

4.89% - 6.69% APR

180 Payments

Total Payments:

$35,328.39 - $39,671.38

20 YEAR

$166.23


TO



$189.20

MONTHLY PAYMENTS

5.09% - 6.69% APR

240 Payments

Total Payments:

$39,896.26 - $45,408.06

*Subject to credit approval. Terms and conditions apply. To qualify for refinancing or student loans consolidation through Education Loan Finance, you must have at least $15,000 in student loan debt and must have earned a bachelor’s degree or higher from an approved post-secondary institution.

Education Loan Finance cash bonus promotion

Fast Track Your Savings with Education Loan Finance

Earn an Extra $100

Refinancing your student loans with Education Loan Finance is already rewarding, but we have an extra reason for you to speed up the process: earn $100 bonus cash with the Education Loan Finance Fast Track Bonus! Learn more about the Fast Track Bonus Program.

Try our payment estimator to see how much you could save!