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Who We Are


Education Loan Finance (you can call us ELFI), is a division of Tennessee-based SouthEast Bank, designed to assist borrowers with student loan refinancing as well as with undergraduate, graduate and parent private student loans.

The ELFI Difference

We make financing your future simple by offering easy payment options, affordable rates, and flexible terms in an application process that is transparent and secure. Ready for something truly different? You’ll never go it alone. When you apply, you’ll receive a Personal Loan Advisor, an expert ready to walk you through the application process and answer any questions along the way.

Our Mission

We’re a national private lending company with deep roots in supporting education. SouthEast Bank’s parent holding company, Educational Services of America, Inc., is a not-for-profit organization that has a longstanding (25 years) commitment to higher education. That commitment has led to more than $20 million provided in scholarships, as well as financial literacy curriculum offered to local high schools. Giving back to our community is paramount at ELFI, and as proof of that, we recently awarded $50,000 to help a customer and his family pay off their loans. For us, “Empowering A Brighter Future” is more than a tagline, it’s a promise.

What Our Customers Are Saying