Get the app


ELFI Student Loans
Take Control of Your Financial Future

Student Loans Made Simple

Education Loan Finance offers private student loans and student loan refinancing options with low rates, flexible terms, and award-winning customer service. 

With ELFI, there are no hidden fees, no complicated application process and no one-size-fits-all solution. Why? Because we’re committed to empowering you to reach your greatest potential. Choose an option below to get started.


Young college student with private loans from ELFI

Undergraduate Student Loans

If you’ve completed the FAFSA, used scholarships and grants, or explored federal loan products, an undergraduate student loan from ELFI may be right for you. We take a modern approach to college financing with a safe, secure, and simple online application. Pair it with no fees, flexible repayment options and a dedicated Student Loan Advisor, and your path to graduation just got a whole lot easier.

Undergraduate Loans



Graduate School Loans

Our postgraduate loans have no fees, low interest rates and repayment options that provide flexibility and freedom. Why? Because pursuing an advanced degree should be a reward, not a burden. You can be prequalified in as little as two minutes, with no fees and no commitment.

Graduate Loans

Graduate student with a private student loan from ELFI


Parent with college graduates

Parent Loans

Let’s remove the obstacles around helping your child pay for college. ELFI provides parent loans with flexible payment terms of 5, 7, and 10 years and no penalties for paying them off early. Rest easy knowing you’ve secured a low-interest rate and chosen a repayment plan that’s tailored to fit your lifestyle.

Parent Loans

There's More to Explore

Calculating student loan refinancing rates

Student Loan Refinancing

Ready to take your debt-free journey to the next level? Get started here.


College student engaged in class

EDU Checking

Explore checking perks made just for students by clicking here.


Student and her father looking for resources for college students

Resources for Students

Check out our best financial tips for students right here.