Student Loans & Refinancing Made Simple

Ready for something truly different? Our low rates and fast, no-fee application are built to bring your future into focus. Get started financing or refinancing your college education today.

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Find the Loan That’s Right for You

Private Student Loans

Bring your future into focus with an undergraduate or graduate student loan

Parent Student Loans

Flexible, affordable options for covering the cost of post-secondary education

Student Loan Refinance

Competitive rates and flexible terms to manage student loan repayment

Parent Loan Refinance

Parent loan refinancing options that help you better manage parent loan repayment

The ELFI Difference

Competitive Rates & Flexible Terms

We believe in rewarding financially responsible borrowers by providing competitive rates with flexible terms that make repayment more manageable.

Award-Winning Customer Service

Each customer is paired one-on-one with their own Student Loan Advisor who guides them through their application from start to finish.

No Fees or Painful Waiting

Enjoy an easy online application process without application fees, origination fees, or prepayment penalties for paying off your loan early.

See Your Estimated Rate Risk-Free in Minutes

Before you commit, you can see your estimated rates and repayment options in minutes, without impacting your credit score.

IT’S YOUR FUTURE WE’RE TALKING ABOUT.

When it comes to financing your education or refinancing your student loans, the numbers matter. Our customers have reported that they save an average of $278 every month or an average of $20,774 in total savings after refinancing their student loans with ELFI.(1) Use our Private Student Loan or Refinancing Calculator to see what repayment could look like for you.

STUDENT LOANS CAN FEEL COMPLICATED.

When you apply for an ELFI loan, you’ll be paired one-on-one with a Student Loan Advisor. They’ll guide you through the entire process from start to finish and are available by phone, text, or email and answer any questions you might have along the way.

TRUST THE EXPERTS

The NerdWallet experts just named ELFI the best option for refinancing parent loans. Whether you’re looking to refinance student loans or parent loans, choose a lender with flexible options, a simple no-fee application, and excellent customer service.

Bring Your Future into Focus

Prequalify to see your estimated rates in minutes without impacting your credit score.

Excellent Customer Experiences

When you combine personalized service, an easy application with no fees, and flexible loan options, you get 5-star customer experiences.

Frequently Asked Questions

How does ELFI help me manage my education costs?

We offer competitive student loan financing options to help you manage education costs effectively. Our tailored education loans meet your individual needs, ensuring you can focus on your studies without financial stress.

Can I consolidate my student loans with ELFI?

Yes, you can! ELFI provides student loan consolidation options for federal and private student loans. Consolidation can simplify your loan payments by combining multiple student loans into one, potentially lowering your monthly payments and saving you money on interest over time.

Are there any fees associated with ELFI student loans?

At ELFI, we believe in transparent pricing. No application fees, origination fees, or prepayment penalties are associated with our student education loans. This means you can save more and avoid unexpected costs.

How does refinancing with ELFI improve my student loan financial situation?

Refinancing your student or college loans with ELFI can lead to lower interest rates, reduced monthly payments, or a shortened loan term. This can reduce your burden of student loan debt by potentially saving you money monthly or over the life of your loan, freeing up more money for your other financial goals.

What makes ELFI different from other student loan services?

ELFI stands out from other student loan services with our personalized customer support, competitive interest rates, and transparent terms. Our dedicated loan advisors work with you one-on-one to create a customized repayment plan that fits your budget and financial goals.