Dec 1 2019

ELFI Education Loan Financing, Refinance Your Student Loans, refinance student loans.

#Refinance #student #loans

Pay off student loans faster and

use the savings to invest in your dreams.

Education Loan Finance can save you money with variable rates starting at 2.49% APR* and fixed rates starting at 3.19% APR*.

Make the right financial choice.

There are many options when it comes to consolidating or refinancing your student loans. Fortunately, Education Loan Finance – the education loan finance program offered by SouthEast Bank – is completely focused on optimizing the best repayment strategy for your specific situation and goals.

You could save hundreds each month and thousands over time.





*Subject to credit approval. Terms and conditions apply.

it pays to choose Education Loan Finance


With rates as low as 2.49% APR, our flexible student loan refinancing terms could help you save money. We offer plans that can meet a variety of budgets.


For every step of the refinancing process, we’ve got your back. Our customer care specialists help find the right plan for YOU.

Our application process is fast and simple. Apply online in just minutes. If you have questions, our student loan refinance experts are here to help.


It pays to refinance with Education Loan Finance

. If your loan is approved and you accept our offer within 30 days of your initial application date, you’ll receive $100 through our Fast Track Bonus!

Refer a friend and earn even more. When a friend uses your referral link and refinances a loan, you’ll get $400 and your friend will get $100.

We’re here to help you. If you have questions about refinancing your student loan, call, email or text one of our qualified loan specialists.

Refinancing Your Student Loans is Easy

introduce yourself

Simply create a profile to let us know a little bit about you and get the ball rolling.

get prequalified

Use our easy pre-approval process to see if you qualify before completing the full application.

upload documents

It’s easy. Send us your documents electronically. We will verify and if approved, you’ll receive a firm interest rate offer.

sign set-up

Sign your new loan agreement electronically and set up auto-debit payments.

Refinancing with Education Loan Finance can save you thousands over time. Want to know how much? Get an estimate with our repayment calculator .

Refinance student loans

Refinance student loans

Refinance student loans

Refinance student loans

Frequently Asked Questions

Student loan refinancing is the process of combining one or more federal and private student loans into a single loan with new terms, including a new (hopefully lower!) interest rate, monthly payment amount, and/or repayment length. The Federal Student Loan Consolidation program similarly combines only your federal loans into one payment, but it uses a weighted average of all of your interest rates, and it does not offer consolidation of any student loan debt obtained from a private lender.

Any student loan debt that was used for financing your education from an approved post-secondary institution, such as SouthEast Bank private loans, private student loans from other lenders, or your federal student loans, i.e. Stafford loans, Grad PLUS, Parent PLUS, etc., can be consolidated into one loan through Education Loan Finance. No other consumer debt, such as credit card, auto, or mortgage, can be included even if it was used to pay education expenses. Keep in mind that if you consolidate federal student loans, you may lose some alternative repayment plans associated with the federal government loan program.

Education Loan Finance may require a co-signer if you do not qualify based on your own credit, income, or debt-to-income ratio. We also offer co-signer release, which releases any co-signers from your existing student loans if you qualify for an Education Loan Finance loan based on your own credit history.

If you only have a couple more years or a few thousand more dollars to go until you pay off your student loans, refinancing may be more hassle than it’s worth. Switching to a new lending institution may eliminate any benefits you’ve earned over the years, so thoroughly investigate how consolidating or refinancing your student loans will change the terms of your existing student loans. To learn more about refinancing and consolidating your loans, check out this blog post with information on topics that might require a second look during the process.

Written by CREDIT

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