On November 22, 2022, the student loan payment pause was extended until the U.S. Department of Education is permitted to implement the debt relief program or the litigation is resolved. Payments will restart 60 days later. If the debt relief program has not been implemented and the litigation has not been resolved by June 30, 2023 – payments will resume 60 days after that. Learn More

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We believe education fuels empowerment, and because of that, we take the hassle out of obtaining a private student loan. With an ELFI private student loan, you won’t have an application, origination, or prepayment fee. Best of all, you can compare rates without affecting your credit score.

Ready to empower your future with an ELFI student loan?

Affordable Rates & Flexible Terms for Student Loans

We have no application fees, no loan origination fees and no penalty for paying off your loan early.

Loan Amounts From


Rates From


4.73% APR*


4.48% APR*

Terms From

5 – 15 years*

Why Choose Education Loan Finance?

Some of the Lowest
Rates Available

We believe in rewarding financially responsible borrowers by providing some of the lowest rates available.

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Expertise That’s Second
to None

Our ELFI management team has over 30 years of expertise in student loans.

Fast and
Easy Process

Secure your personalized loan 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

We lend across the entire U.S. and Puerto Rico.


Reach out via phone, email, or contact form.

1-844-601-ELFI (3534)


Monday – Thursday:
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