Earn $100 with the Education Loan Finance Fast Track Bonus!

Customers who qualify for the Education Loan Finance Fast Track Bonus will receive a $100 reduction to the refinanced loan amount within 6-8 weeks of loan disbursement.

*To earn the $100 Education Loan Finance Fast Track Bonus, new customers must complete an application including submission of all required documents, and close the refinanced loan with Education Loan Finance within 30 days of initial application. A new customer is defined as an individual without an existing Education Loan Finance loan account or who has not held an Education Loan Finance loan account within the past 24 months. The Fast Track Bonus will be applied to the borrower’s loan as a $100 principal reduction on the new loan within 6-8 weeks of loan disbursement. Taxes are the sole responsibility of the recipient. Additional terms and conditions apply. Subject to credit approval and program requirements apply.



Apply for the loan term that best fits your budget.



Submit all required documentation and information.



If your loan is approved and you accept the terms of the offer within 30 days of your initial application date, you'll receive a reduction to the refinanced loan amount of $100.

It's that simple, so get started today!

See what EFLI customers are saying!

Alan B: Lowered to 4%

With Education Loan Finance I was able to lower my student loans to around 4%. I plan on using those savings to pay off my loans faster.

Alan B.
AMAZING experience with ELFI

AMAZING experience with ELFI! Not only did they offer the best rate, but I had a friendly and knowledgeable personal loan advisor throughout the entire process.

Nicole D., Indianapolis, Indiana
Cody H

I chose Education Loan Finance because of their customer service and willingness to earn my business. They were the only company where an actual person reached out to me after applying. They beat out their competitors and got me the best rate. I’m now saving a couple hundred dollars a month, which I putting back towards the principal on my loan.

Cody H.
Hannah M.

Education Loan Finance’s Personal Loan Advisors helped ease the refinancing process significantly. They see you as an actual person with real-life situations, rather than just another number in the student loan refinancing process. I’m now saving over $18,000 on my student loan, and plan to use this money to save for graduate school and to pursue my dream job as an archaeologist.

Hannah M.
Jacklyn B, Canandaigua, NY

I had a list of non-negotiables I was looking for with a refinancing company. (no repayment penalties, fixed rates guaranteed, simple interest accrual, flexibility in choosing monthly draft dates) ELFI fit all my requirements.

Jacklyn B, Canandaigua, NY
Jessica D.

After reviewing multiple companies I found that Education Loan Finance offered the best rate and monthly payment. I’m saving approximately $20,000 over the life of my loan and am planning on using those savings to pay off my loan faster! My personal loan advisor was responsive & urgent with his answers and the entire process (including approval) took about 24 hours.

Jessica D.
Lowest Rates Among Private Services

I chose ELFI because they had lower interest rates than the federal program and was the lowest among other private services. My monthly payments will be more, but my interest rate is 1.8% better and over the ten year life of the loan, this will save nearly $10,000 in interest. 

Calder O., Columbia University