Empowering Student Loan Planner Readers
Variable rates from 1.86% APR / Fixed rates from 3.39% APR*
Refinance federal and private education loans and lower your monthly payments or total student loan costs. 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.
Plus, earn a $300 to $1,275 bonus for refinancing with ELFI.1
$300 bonus for $50K+ refinanced
$575 bonus for $100k+ refinanced
$775 bonus for $150k+ refinanced, plus a $500 gift card from Student Loan Planner2 (total bonus of $1,275) learn more
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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.
$26,200 - $29,132
$28,937 - $31,510
$30,860 - $34,925
$34,632 - $41,895
$38,285 - $50,112
$27,214 - $28,992
$28,743 - $30,971
$31,078 - $34,049
$35,095 - $39,920
$39,564 - $46,481
Why Choose Education Loan Finance?
Save Money Right Now
With a lower rate or a longer term Rates as low as 1.86% APR variable* or 3.39% 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.
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.
Reach out via phone, email, or contact form.
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8:00 am – 5:00 pm
Saturday & Sunday:
10:00 am – 4:00 pm