Student Loans & Refinancing Made Simple
Ready for something truly different? Our low rates and fast, no-fee application are built to bring your future into focus. Get started financing or refinancing your college education today.
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Find the Loan That’s Right for You
Private Student Loans
Bring your future into focus with an undergraduate or graduate student loan
Parent Student Loans
Flexible, affordable options for covering the cost of post-secondary education
Student Loan Refinance
Competitive rates and flexible terms to manage student loan repayment
Parent Loan Refinance
Parent loan refinancing options that help you better manage parent loan repayment
The ELFI Difference
Competitive Rates & Flexible Terms
We believe in rewarding financially responsible borrowers by providing competitive rates with flexible terms that make repayment more manageable.
Award-Winning Customer Service
Each customer is paired one-on-one with a Student Loan Advisor who guides them through their application from start to finish.
No Fees or Painful Waiting
Enjoy an easy online application process without application fees, origination fees, or prepayment penalties for paying off your loan early.
See Your Estimated Rate Risk-Free in Minutes
Before you commit, you can see your estimated rates and repayment options in minutes, without impacting your credit score.
IT’S YOUR FUTURE WE’RE TALKING ABOUT.
Visualize Your Options with Our Student Loan Calculators
When it comes to financing your education or refinancing your student loans, the numbers matter. Our customers have reported that they save an average of $334 every month or an average of $21,921 in total savings after refinancing their student loans with ELFI.(1) Use our Private Student Loan or Refinancing Calculator to see what repayment could look like for you.
STUDENT LOANS CAN FEEL COMPLICATED.
Having a Student Loan Advisor Makes Everything Easy.
When you apply for an ELFI loan, you’ll be paired one-on-one with a Student Loan Advisor. They’ll guide you through the entire process from start to finish and are available by phone, text, or email and answer any questions you might have along the way.
TRUST THE EXPERTS
2024 Best Student Loan Refinancing for Parents
The NerdWallet experts just named ELFI the best option for refinancing parent loans. Whether you’re looking to refinance student loans or parent loans, choose a lender with flexible options, a simple no-fee application, and excellent customer service.
Bring Your Future into Focus
Prequalify to see your estimated rates in minutes without impacting your credit score.
Excellent Customer Experiences
When you combine personalized service, an easy application with no fees, and flexible loan options, you get 5-star customer experiences.
Frequently Asked Questions
How does ELFI help me manage my education costs?
We offer competitive student loan financing options to help you manage education costs effectively. Our tailored education loans meet your individual needs, ensuring you can focus on your studies without financial stress.
Can I consolidate my student loans with ELFI?
Yes, you can! ELFI provides student loan consolidation options for federal and private student loans. Consolidation can simplify your loan payments by combining multiple student loans into one, potentially lowering your monthly payments and saving you money on interest over time.
Are there any fees associated with ELFI student loans?
At ELFI, we believe in transparent pricing. No application fees, origination fees, or prepayment penalties are associated with our student education loans. This means you can save more and avoid unexpected costs.
How does refinancing with ELFI improve my student loan financial situation?
Refinancing your student or college loans with ELFI can lead to lower interest rates, reduced monthly payments, or a shortened loan term. This can reduce your burden of student loan debt by potentially saving you money monthly or over the life of your loan, freeing up more money for your other financial goals.
What makes ELFI different from other student loan services?
ELFI stands out from other student loan services with our personalized customer support, competitive interest rates, and transparent terms. Our dedicated loan advisors work with you one-on-one to create a customized repayment plan that fits your budget and financial goals.
From the Knowledge Hub
How Student Loans Can Be Used
Starting college this fall? You’re probably thinking about how to decorate your side of the dorm room, what clubs you’re going to join, and wondering…
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Whether you’re starting college in the fall (congratulations!) or are already in the working world, you may be worried about managing student loan debt. While…
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Understanding Federal Student Loan Rates for 2025-2026
The rate on federal loans has a major impact on your repayment, affecting how much interest accrues and your total repayment cost.
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