Student Loan Refinancing Made Simple.
Discover our low rates and fast, no-fee application process for refinancing your student loans or financing your college education.
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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
See personalized rates in minutes, without affecting your credit score.
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
We believe in rewarding financially responsible borrowers by providing some of the lowest student loan rates available.
Expertise That’s Second
Our ELFI management team has over 30 years of expertise in student loans and student loan refinancing.
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 $286 every month or will see an average of $22,500 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 11/01/2021 and 12/15/2021. While these amounts represent reported average amounts saved, actual amounts saved will vary depending upon a number of factors.