Estimate Your Monthly Payment

Want to see how much you could save if you refinance your student loans with ELFI? We do, too.

 

Get Your Estimate

Go ahead and take a test drive! Use the ELFI student loan repayment calculator to get an idea of what your monthly payments might be like with our various refinance programs.

Enter Your Loan Amount

Enter an amount between $15,000 and $250,000

Current Monthly Payment

Enter your current monthly payment

Current Interest Rate

OR

Current Remaining Term


Variable Rates
Current Monthly Payment
5-Year $100.00

7-Year $100.00

10-Year $100.00

15-Year $100.00

20-Year $100.00
Your Interest Rate Range
5-Year 2.19%-4.99%

7-Year 2.51%-5.14%

10-Year 3.01%-5.39%

15-Year 3.39%-5.71%

20-Year 3.64%-6.01%
Your New Monthly Payment
5-Year $1,761.10-$1,886.67

7-Year $1,299.36-$1,419.98

10-Year $966.07-$1,079.82

15-Year $709.49-$828.27

20-Year $587.18-$717.01
Monthly
Savings
5-Year $0

7-Year $0

10-Year $128-$242

15-Year $380-$499

20-Year $491-$621
Lifetime
Savings (est)
5-Year Up to $39,294

7-Year Up to $35,813

10-Year Up to $29,032

15-Year Up to $17,251

20-Year Up to $4,037

Fixed Rates
Current Monthly Payment
5-Year $100.00

7-Year $100.00

10-Year $100.00

15-Year $100.00

20-Year $100.00
Your Interest Rate Range
5-Year 2.19%-4.99%

7-Year 2.51%-5.14%

10-Year 3.01%-5.39%

15-Year 3.39%-5.71%

20-Year 3.64%-6.01%
Your New Monthly Payment
5-Year $1,761.10-$1,886.67

7-Year $1,299.36-$1,419.98

10-Year $966.07-$1,079.82

15-Year $709.49-$828.27

20-Year $587.18-$717.01
Monthly
Savings
5-Year $0

7-Year $0

10-Year $128-$242

15-Year $380-$499

20-Year $491-$621
Lifetime
Savings (est)
5-Year Up to $39,294

7-Year Up to $35,813

10-Year Up to $29,032

15-Year Up to $17,251

20-Year Up to $4,037

Flexible options just for you.

Education refinance and consolidation loans starting at $15,000. Fixed Rates start at 3.35% APR and variable rates start as low as 2.10% APR. *Rates are subject to change. Subject to credit approval. Terms and conditions apply.

Apply Now

Fixed or variable? Long-term or short-term? Will I qualify? We know that deciding which option to apply for can be tricky, and we’re here to help. Our education loan experts can help recommend a repayment program that’s right for you.

Get help choosing a loan that fits your budget.

The calculated payments are only an estimate based on the loan information you entered. Your actual payments will depend on the exact amount of your loan balance, and specific rates are subject to approval. Variable rate loans are based on the three-month LIBOR index and may change monthly. Changes in the LIBOR index may cause your monthly payment to increase. Although the interest rate will vary after you are approved, the interest rate will never exceed 9.95% APR.

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