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Choose refinancing options to fit your budget.


At Education Loan Finance, we believe that parents who have assisted in financing their children’s college education also deserve the opportunity to find flexible repayment plans with competitive interest rates. Education Loan Finance offers refinance options for Parent PLUS or private education loans, with terms from 5-10 years.

Education Loan Finance borrowers never pay:

  • Application Fee
  • Origination Fees
  • Prepayment Penalties

Earn $100 Bonus Cash with our Fast Track Bonus Program

Loans to fit your budget

Below are sample payments for a $25,000 loan using each of Education Loan Finance’s parent loan refinance options. The interest rate and monthly payment for variable rate loans may increase after closing. Your actual interest rate may be different than the rates in these examples and will be based on the term of the loan, your financial history, and other factors, including your cosigner’s (if any) financial history.
To qualify for refinancing or student loan consolidation through Education Loan Finance, your child must have at least $15,000 in student loan debt and must have earned a bachelor’s degree or higher from an approved post-secondary Education Loan Finance institution. Education Loan Finance parent loans are limited to a maximum of the 10-year term. All rates are subject to change without notice. All loans are subject to credit approval. Additional terms and conditions apply.
Variable Rate Loans for Parents
5 Year

$444.24

TO

$471.67

MONTHLY PAYMENTS

2.55% - 4.99% APR
60 Payments
Total Payments
$26,654 - $28,300
7 Year

$333.61

TO

$354.99

MONTHLY PAYMENTS

3.29% - 5.14% APR
84 Payments
Total Payments
$28,023 - $29,819
10 Year

$250.74

TO

$269.96

MONTHLY PAYMENTS

3.8% - 5.39% APR
120 Payments
Total Payments
$30,089 - $32,395
Fixed Rate Loans for Parents
5 Year

$450.22

TO

$483.20

MONTHLY PAYMENTS

3.09% - 5.99% APR
60 Payments
Total Payments
$27,013 - $28,992
7 Year

$341.61

TO

$370.99

MONTHLY PAYMENTS

3.99% - 6.48% APR
84 Payments
Total Payments
$28,695 - $31,163
10 Year

$257.77

TO

$286.29

MONTHLY PAYMENTS

4.39% - 6.69% APR
120 Payments
Total Payments
$30,932 - $34,355

See what you could save with our Student Loan Refinancing Calculator!

We deliver what graduates need most: Affordable Rates. Flexible Terms.

We have no application fees, no loan origination fees and no penalty for paying off your loan early.

Loan Amounts From

$15,000

And Up

Rates From

2.55% APR

Variable

3.09% APR

Fixed

Terms From

Parent Refinancing

5-10 year

Parent Plus Loan Program

Program Eligibility:

Minimum Loan Amount $15,000
No Maximum Loan Amount for exceptionally well-qualified borrowers.
Loan Terms offered in 60, 84, and 120 month maturities with fixed and variable interest rate structures.

Loan Eligibility:

All loans to be included in a SouthEast Bank Refi Loan must be “Qualified Student Loans” as defined by the U.S. Internal Revenue Service.

Ineligible Loans:

Employer-sponsored education financing and payment plans, school-sponsored tuition payment plans.

Term Limits:

Parent loans are limited to a maximum term of 120 months. The applicant must still meet the graduation and school eligibility criteria.

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