Student Loan Financing Made Simple.
Choose your future. Discover our low rates and fast, no-fee application process for financing or refinancing your college education.
Excellent 4.8 out of 5
As seen on:
As seen on:
Simple. Smart. Secure.
There’s a smarter way to manage your student loans. At ELFI, we offer a simple online application process paired with guidance from a Student Loan Advisor who’s here to help every step of the way. Best of all, you can prequalify in minutes, without it impacting your credit score.
With ELFI, You Won’t Pay:
• Application fees
• Origination fees
• Prepayment penalties
Pre-qualification does not affect your credit score
PREQUALIFY
See personalized loan rates in minutes, without affecting your credit score.
APPLY
Explore options and choose which plan has the best rates, terms and payments for your student loan needs.
UPLOAD & SIGN
Upload screenshots or smartphone photos of your documents. Then sign your paperwork electronically!
The ELFI Difference
Some of the Lowest
Rates Available
We believe in rewarding financially responsible borrowers by providing some of the lowest student loan rates available.
Expertise That’s Second
to None
Our ELFI management team has over 30 years of expertise in student loans and student loan refinancing.
Fast and
Easy Process
Secure your personalized student loan or refinancing options in just a few short minutes.
Student Loan Advisors
Our award-winning customer service team will guide you every step of the way.
Service Coast to Coast
ELFI private student loans and student loan refinancing are available across the entire U.S. and Puerto Rico.
Easier Student Loan Repayment
Refinancing with ELFI can help you save on interest, lower your monthly payment, or consolidate loans to make repayment easier.
Our customers have reported that they are saving an average of $278 every month or will see an average of $20,774 in total savings after refinancing their student loans with Education Loan Finance.1
1Average savings calculations are based on information provided by SouthEast Bank/ Education Loan Finance customers who refinanced their student loans between 01/03/23 and 03/01/23. While these amounts represent reported average amounts saved, actual amounts saved will vary depending upon a number of factors.
Frequently Asked Questions
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.
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.
Refinancing your student or college loans with ELFI can lead to lower interest rates, reduced monthly payments, and a shortened loan term. This improves your student loan debt by potentially saving you thousands of dollars over the life of your loan, freeing up more money for your other financial goals.
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.
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.
Qualifying for student loan refinancing with ELFI typically requires a good credit score, a stable income, and a history of on-time loan payments. We assess your financial situation to offer the best rates and terms for your student loan refinancing needs.
You can refinance federal and private student loans, including undergraduate, graduate, MBA, medical, and dental. We provide flexible options to cater to various types of borrowers and their unique student loan financial needs.
The approval process for student loan financing with ELFI is quick and straightforward. After submitting your application, you can typically receive a decision within a few business days. We strive to make the process as fast and easy as possible so you can start saving sooner.
Yes, ELFI offers student loan services for current students. You can apply for a private student loan to cover your education costs while you’re still in school.