Skip Navigation
After navigation
  • Competitive fixed and variable APRs starting at 1.19%1
  • Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
  • Flexible payment terms ranging from 5, 8, 10, and 15 years2
  • Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)3
  • No origination, application and processing fees, no fees for early repayment
  • Apply online in 3 minutes and get an instant credit decision
Track-lender impression image
  • Variable: 1.26% - 10.40% APR (with auto debit discount) Fixed: 3.34% - 11.68% APR (with auto debit discount)1
  • Multiple Loan Terms
  • Auto Debit Savings2
  • Easy Cosigning and Cosigner Release3
  • Flexible Repayment Options
  • No Origination Fees
  • Member FDIC

Lowest rates listed above include an interest rate reduction for eligible applications, enrollment in auto debit, and are available only to the most creditworthy applicants. Advertised variable rates reflect the starting range of rates and may increase over the life of the loan. [See Disclaimer]

Track-lender impression image
  • Prequalification: Prequalify to estimate your rate without affecting your credit score
  • Online Application Process: Submit online application in minutes
  • Flexible Repayment Options: ELFI offers immediate, interest only, partial payment, and fully deferred repayment options
  • No Fees: No application fees, origination fees, or prepayment penalties
  • Low Rates: Fixed rates from 3.20% to 11.99% and variable rates from 1.30% - 11.52%
  • Award winning Customer Service: Individually paired Student Loan Advisor to guide you through the application process
Track-lender impression image
  • MUST BE a US citizen or permanent resident
  • MUST BE a college junior, college senior, or grad student
  • No co-signer required
  • Get approved in minutes. Pre-qualify without affecting your credit score
  • Income-based repayment with built-in protections, like deferred payments if you lose your job
Track-lender impression image
  • Variable Rates: Starting variable rates range from 1.69% APR - 11.97% APR (with autopay)*, and will never exceed 13.95% (sometimes lower in certain states as required by law)
  • Fixed Rates: Fixed rates range from 3.47% APR to 11.16% APR (with autopay)*
  • Easy online application!
  • No origination fees, late fees, and no insufficient fund fees. Period
  • Up to four repayment types (including no payments while in school) and multiple repayment terms help you find the loan that fits your budget
  • 0.25% discount when you set up autopay*
Track-lender impression image