ELFI Student Loan Refinance

Education Loan Finance offers competitive student loan refinancing with dedicated personal loan advisors.

Last checked on September 4, 2026. We may earn a commission when you click through.

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✓ Among lowest APRs in the market ✓ Dedicated personal loan advisor ✓ No origination or application fees
Representative APR Amount Term Type
4.86–8.44% $10k–$300k 60–240 mo student_refinance
Best For

Borrowers with good credit (680+) refinancing $10,000+ in student loans who value personalized service

Pros & Cons

Pros
  1. ✓ Among lowest APRs in the market
  2. ✓ Dedicated personal loan advisor
  3. ✓ No origination or application fees
  4. ✓ Both fixed and variable rates
Cons
  1. ✗ $10,000 minimum refinance amount
  2. ✗ 680+ credit score required
  3. ✗ 2-3 day approval (not instant)

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