Student Loans

Take Control of Your Financially Future

Features That Check All The Boxes

We’ve made sure to include all the features you need to make ELFI Student Loans your all-in-one checking account.

Private Student Loans

We can help you pay for college. With an ELFI private student loan, you won’t have an application, origination, or prepayment fee. Best of all, you can compare rates without affecting your credit score.

  • Loan Amounts From
    • $1,000
  • Rates From
    • VARIABLE
      • 2.69% APR*
    • FIXED
      • 3.21% APR*
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Parent Loans

Support your child’s future with a parent loan that includes no application, origination, or prepayment fees – all offered with our award-winning customer service.

  • Loan Amounts From
    • $1,000
  • Rates From
    • VARIABLE
      • 2.69% APR*
    • FIXED
      • 3.21% APR*
Open Account

Student Loan Refinancing

Low rates, flexible terms, and personalized service for refinancing your student loans. See why we were named a 2022 Best Student Loan Refinance Company by U.S. News by prequalifying to check your rate without affecting your credit score

  • Loan Amounts From
    • $10,000
  • Rates From
    • VARIABLE
      • 2.48% APR*
    • FIXED
      • 4.29% APR*
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Terms & Disclosures

1

Private Student Loans: Education Loan Finance is a nationwide private student loan and student loan refinance program offered by Tennessee-based SouthEast Bank. Interest rates are accurate as of 5/1/23 and are subject to change. Variable interest rates may increase after closing but will never exceed 18.00%. Your actual interest rate 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 7% would have 120 payments of $11.61 per $1,000 borrowed. Subject to credit approval. See Terms & Conditions. See Eligibility Requirements for more information.

2

Parent Loans: Education Loan Finance is a nationwide private student loan and student loan refinance program offered by Tennessee-based SouthEast Bank. Interest rates are accurate as of 5/1/23 and are subject to change. Variable interest rates may increase after closing but will never exceed 18.00%. Your actual interest rate 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 7% would have 120 payments of $11.61 per $1,000 borrowed. Education Loan Finance Parent Loans are limited to a maximum 10-year term. Subject to credit approval. See Terms & Conditions. See Eligibility Requirements for more information.

3

Student Loan Refinancing: Education Loan Finance is a nationwide private student loan and student loan refinance program offered by Tennessee-based SouthEast Bank. Interest rates are accurate as of 5/1/23 and are subject to change. The interest rate and monthly payment for variable-rate loans may increase after closing, but will never exceed 9.95% APR. Your actual interest rate 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. Subject to credit approval. See Terms & Conditions. See Eligibility Requirements for more information.