Top-Rated Student Loan Refinancing

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Variable rates from 5.28% APR / Fixed rates from 4.84% 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.

Low Rates, Flexible Terms

Below are sample payments for a $25,000 loan using each of Education Loan Finance’s student loan refinance options.*

*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 08-27-2024. 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 12/25/2020 and 1/31/2021. While these amounts represent reported average amounts saved, actual amounts saved will vary depending upon a number of factors.