It Pays to Refinance Your Student Loans with ELFI

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Variable rates from 5.28% APR / Fixed rates from 5.48% 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 up to a $1,100 principal reduction for refinancing with ELFI.¹

$550 bonus for $50k or more refinanced
$600 for $100k or more refinanced
$750 for $150k or more refinanced
$1,100 for $200k or more refinanced

Low Rates, Flexible Terms

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

_{¹To begin the qualification process for the White Coat Investor sign-on bonus, customers must apply from the link provided on https://www.elfi.com/whitecoatinvestor. Customers who are approved for and close a loan will receive the $550 to $1,100 bonus through a reduction in the principal balance of their Education Loan Finance loan when your loan has been disbursed. In order to receive this bonus, customers will be required to complete and submit a W9 form with all required documents. Taxes are the sole responsibility of the recipient. There is a limit of one bonus per borrower. 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. If the applicant was referred using the referral bonus, they will not receive the bonus provided via the referring party. If the applicant becomes an ELFI customer, they may participate in the referral bonus by becoming the referring party. Additional terms and conditions apply.}

_{²Average savings calculations are based on information provided by SouthEast Bank/ Education Loan Finance customers who refinanced their student loans between 01/03/23 and 03/01/23. While these amounts represent reported average amounts saved, actual amounts saved will vary depending upon a number of factors.}

_{*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 10-13-2023. 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.}