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Welcome, FitBux Readers!

Variable rates from 2.39% APR / Fixed rates from 2.79% 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.
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Our customers have reported that they are saving an average of $272 every month and should see an average of $13,940 in total savings after refinancing their student loans with Education Loan Finance.1

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.*

Variable Rate Loans
5 Year

$442.47

TO

$471.67

MONTHLY PAYMENTS

2.39% - 4.99% APR
60 Payments
Total Payments
$26,548 - $28,300
7 Year

$341.03

TO

$354.99

MONTHLY PAYMENTS

3.94% - 5.14% APR
84 Payments
Total Payments
$28,647 - $29,819
10 Year

$253.71

TO

$269.96

MONTHLY PAYMENTS

4.05% - 5.39% APR
120 Payments
Total Payments
$30,445 - $32,395
15 Year

$188.70

TO

$207.60

MONTHLY PAYMENTS

4.30% - 5.75% APR
180 Payments
Total Payments
$33,966 - $37,368
20 Year

$160.06

TO

$179.25

MONTHLY PAYMENTS

4.64% - 6.01% APR
240 Payments
Total Payments
$38,414 - $43,020
Fixed Rate Loans
5 Year

$446.89

TO

$483.20

MONTHLY PAYMENTS

2.79% - 5.99% APR
60 Payments
Total Payments
$26,813 - $28,992
7 Year

$337.14

TO

$365.09

MONTHLY PAYMENTS

3.60% - 5.99% APR
84 Payments
Total Payments
$28,320 - $30,668
10 Year

$248.50

TO

$277.43

MONTHLY PAYMENTS

3.61% - 5.99% APR
120 Payments
Total Payments
$29,820 - $33,292
15 Year

$182.05

TO

$210.83

MONTHLY PAYMENTS

3.77% - 5.99% APR
180 Payments
Total Payments
$32,769 - $37,949
20 Year

$154.14

TO

$178.96

MONTHLY PAYMENTS

4.20% - 5.99% APR
240 Payments
Total Payments
$36,994 - $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.

*Education Loan Finance is a nationwide student loan debt consolidation and refinance program offered by Tennessee based SouthEast Bank. ELFI is designed to assist borrowers through consolidating and refinancing loans into one single loan that effectively lowers your cost of education debt and/or makes repayment very simple. Subject to credit approval. See Terms & Conditions. Interest rates current as of 09-25-2020. The interest rate and monthly payment for a variable rate loan may increase after closing, but will never exceed 9.95% APR. Interest rates may be different from the rates shown above and will be based on the term of your loan, your financial history, and other factors, including your cosigner’s (if any) financial history. For example, a 10-year loan with a fixed rate of 6% would have 120 payments of $11.10 per $1,000 borrowed. Rates are subject to change.
1Average savings calculations are based on information provided by SouthEast Bank/ Education Loan Finance customers who refinanced their student loans between 2/7/2020 and 2/21/2020. While these amounts represent reported average amounts saved, actual amounts saved will vary depending upon a number of factors.