×

Welcome Student Loan Hero Customers!

Refinance federal and private education loans and lower your monthly payments or total student loan costs.  We offer variable* and fixed rates from 2.55% APR to 3.09% APR and flexible repayment terms. Our management team has over 30 years of experience in the student lending business, and our experts know how best to meet our customers’ goals and the flexible repayment terms for even more savings.

*Rates are subject to change. Subject to credit approval. Terms and conditions apply.

It Pays to Refinance Your Student Loans with Education Loan Finance

Variable* Rates from 2.55% APR and Fixed Rates from 3.09% APR

Loans to fit your budget

Below are sample payments for a $25,000 loan using each of Education Loan Finance’s student 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 loans consolidation through Education Loan Finance, you 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. All rates are subject to change without notice. All loans are subject to credit approval. Additional terms and conditions apply.
Variable Rate Loans
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
15 Year

$186.18

TO

$207.60

MONTHLY PAYMENTS

4.1% - 5.75% APR
180 Payments
Total Payments
$33,512 - $37,368
20 Year

$156.82

TO

$179.25

MONTHLY PAYMENTS

4.4% - 6.01% APR
240 Payments
Total Payments
$37,637 - $43,020
Fixed Rate Loans
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
15 Year

$193.17

TO

$220.40

MONTHLY PAYMENTS

4.65% - 6.69% APR
180 Payments
Total Payments
$34,771 - $39,672
20 Year

$166.23

TO

$189.20

MONTHLY PAYMENTS

5.09% - 6.69% APR
240 Payments
Total Payments
$39,895 - $45,408

Why Choose Education Loan Finance?

Save Money Right Now

With a lower rate or a longer term Rates as low as 2.55% APR variable* or 3.09% APR fixed and terms from 5 to 20 years. You could save hundreds each month and thousands over time.

Save Money Over Time

With a lower rate or shorter term Reduce the total interest you’ll pay. We also have no application fees, origination fees, or prepayment penalties.

Gears icon
Customize a Repayment Plan

Flexible options for your needs Loan amounts from $15,000 and up*. Consolidate multiple loans (federal and private) into one easy monthly payment.

CONTACT US

Reach out via phone, email, or contact form.

CALL/TEXT:
1-844-601-ELFI (3534)

EMAIL:
answers@ELFI.com

HOURS
Monday – Thursday:
8:00 am – 8:00 pm

Friday:
8:00 am – 5:00 pm

Saturday & Sunday:
10:00 am – 4:00 pm

Ready to Get Started?

Your Name (required)

Your Email (required)

Your Phone Number (required)

Please describe your interest in refinancing your education loans with Education Loan Finance.

Make the right financial choice by refinancing your student loans with Education Loan Finance. You’ll like having choices when it comes to managing your education loans.