Thanks for visiting us from AAAS!
Variable rates from 1.86% APR / Fixed rates from 2.47% APR*
Refinancing your federal and private student loans could lower your monthly payment or the amount you’ll pay over the life of your loans. Our team has over 30 years of experience in the student lending business and can guide you toward a repayment plan that matches your goals.
Plus, earn a $650 principal reduction exclusively for being referred by AAAS when you refinance your student loans with ELFI!1
Our customers have reported that they are saving an average of $214 every month or should see an average of $18,699 in total savings after refinancing their student loans with Education Loan Finance.2
See What Our Customers Say
Low Rates, Flexible Terms
Below are sample payments for a $25,000 loan using each of Education Loan Finance’s student loan refinance options.*
$26,200 - $28,300
$27,072 - $29,819
$28,376 - $32,395
$30,818 - $37,368
$33,487 - $43,020
$26,601 - $28,992
$27,446 - $30,668
$28,802 - $33,292
$31,034 - $37,949
$33,818 - $42,950
The ELFI Difference
Some of the Lowest Rates Available
We believe in rewarding financially responsible borrowers by providing some of the lowest refinancing 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.
Personal 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.
1To begin the qualification process for the AAAS sign on principal reduction, customers must apply from the link provided on https://www.elfi.com/aaas. Customers who are approved for and close a loan will receive the $650 principal reduction through a reduction in the principal balance of their Education Loan Finance loan when your loan has been disbursed. In order to receive this bonus, customers will be required to complete and submit a W9 form with all required documents. Taxes are the sole responsibility of the recipient. There is a limit of one bonus per borrower. This offer is not valid for current ELFI customers who refinance their existing ELFI loans, customers who have previously received a bonus, or with any other bonus offers received from ELFI via this or any other channel. If the applicant was referred using the referral bonus, they will not receive the bonus provided via the referring party. If the applicant becomes an ELFI customer, they may participate in the referral bonus by becoming the referring party. Additional terms and conditions apply.2Average savings calculations are based on information provided by SouthEast Bank/ Education Loan Finance customers who refinanced their student loans between 12/25/2020 and 1/31/2021. While these amounts represent reported average amounts saved, actual amounts saved will vary depending upon a number of factors.