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You're eligible to apply to refinance your student loans!

Lending Partners

  • Rates as low as 4.74%1 Variable APR and 4.96%1 Fixed APR
  • No pre-payment penalties, origination, or application fees
  • See rates in 3 minutes without affecting your credit score2
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  • Our customers have reported that they are saving an average of $278 every month or will see an average of $20,774 in total savings after refinancing their student loans with ELFI.1
  • Variable and fixed rates starting from 4.86% APR and 4.84% APR2
  • Prequalify in as little as two minutes
  • Award winning customer service from your dedicated Student Loan Advisor who is matched to you from the moment you sign up
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  • Variable rates starting at 5.74% APR (including 0.25% Auto Pay discount)*
  • Fixed rates starting at 3.99% APR (including 0.25% Auto Pay discount)*
  • Flexible terms - Choose your own monthly payments
  • Exceptional customer service for the life of your loan
  • Hardship assistance and no fees
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  • Fixed rate range: 3.99% – 9.99% APR with all discounts1
  • Variable rate range: 5.99% – 9.99% APR with all discounts1
  • No fees
  • Flexible terms
  • View your rate in just two minutes
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  • Variable rate range: 6.99% – 13.99% APR1
  • Fixed rate range: 6.99% – 13.99% APR1
  • No application or prepayment fees
  • Apply in 3 minutes or less for instant credit decision
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The U.S. Department of Education handles all Federal Consolidation Loans. Apply online or contact the Loan Consolidation Information Call Center at 1-800-557-7392. Go to StudentLoans.gov

Could You Be Saving Money?

Discover how much you could be saving each month with our student loan refinancing calculator.

CALCULATE MY SAVINGS

Helpful Consolidation Tips

  • You'll need your Driver's License and Social Security Number (SSN)
  • Be prepared to provide your work income and any other income you have
  • If you're using a cosigner, get an email address for them