Your friend trusts us, and so do thousands of others.

ELFI offers low rates, flexible terms, and top-rated customer service for refinancing student loans.

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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

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.

There’s really no reason not to see what you could be saving by refinancing.

Prequalifying allows you to see your new estimated interest rate, monthly payment, and compare different loan terms that could save you money over your loan term – and since it doesn’t affect your credit score, there’s no risk to prequalifying. A few minutes could save you thousands.

*Subject to credit approval. Program requirements apply. Limit one $100 cash bonus. Offer available to those who are above the age of majority in their state of legal residence who refer new customers who refinance their education loans with Education Loan Finance. The new customer will receive a $100 principal reduction on the new loan within 6-8 weeks of loan disbursement. Taxes are the sole responsibility of each recipient. This offer is not valid for current ELFI customers who refinance their existing ELFI loans, customers who have previously received a bonus, or with any other bonus offers received from ELFI via this or any other channel. Additional terms and conditions apply. Offer is subject to change without notice. Employees of SouthEast Bank and its affiliates are not eligible. The new customer is required to register online at and refinance a student loan with Education Loan Finance within 90 days of registration. The minimum refinance balance required to refinance with Education Loan Finance and obtain the bonus is $15,000.