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Variable rates from 5.28% APR / Fixed rates from 5.23% 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 $300 bonus exclusively for being referred by Physicians Thrive 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.*
$28,499 - $30,371
$31,571 - $33,036
$34,724 - $37,180
$40,901 - $45,081
$47,897 - $53,945
$28,465 - $30,479
$30,417 - $32,983
$33,066 - $36,859
$38,315 - $44,287
$44,347 - $52,793
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.