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Education Loan Finance Review

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Reviews 1,669

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Sarah Pritzker
Sarah Pritzker
May. 03, 20214 min read

Education Loan Finance summary

Education Loan Finance refinancing lets you combine multiple loans into one simple, easy to pay, affordable loan. With some of the lowest interest rates in the industry and a simple application process it's a great option for young professionals who are struggling with repayment of their student loans.

Pros

  • Variety of plans for different budgets
  • Seamless application and verification process
  • Personal Loan Advisors provided for each applicant

Cons

  • Consolidation forfeits Federal Loan Forgiveness programs
  • Shortest available loan term is 5 years

Education Loan Finance Education Loan Finance View Rates

Education Loan Finance at a Glance

Education Loan Finance (ELFI) is a consolidated loan repayment program offered by SouthEast Bank, which is located in Tennessee. The founders have been actively involved in shaping the finance and education loan industry for over 3 decades and have a wealth of experience in student lending, knowing what it takes to make repayment easy and affordable.

In a very broad sense, the program assists borrowers with multiple student loans by consolidating these loans into a single loan. The program allows borrowers to select from multiple repayment options for additional flexibility in term length and interest rate tyles. The mission of the program is to help student loan borrowers save in terms of interest rates for their different education loans and to make repayment hassle free and simple. ELFI also offers student loan refinancing and consolidation to parents with Parent PLUS and private student loans. 

Furthermore, ELFI's parent company, SouthEast bank offers scholarships to students, having provided more than $20 million in scholarships to date. ElFI offers a generous referral program providing over $400 for each referral. 

Suitable for?

The ELFI program is tailored toward students and young professionals who want to simplify their student loan finances. Specifically, this program is suitable for borrowers who have multiple student loans, as the program’s main feature is that it will consolidate all of your student loans into one loan with a new interest rates and repayment term. Please note that the refinancing options offered in this program are only available for borrowers that went to pre-approved post-secondary institutions for their higher education.

Loan Features*

The refinancing loan provided by Education Loan Finance makes life simpler by taking all of your education debts and combining them to form one single loan that you can manage easily. This can potentially help you save hundreds of dollars every month thanks to some of the lowest interest rates and easy payment options.  In an effort to simplify the process further ELFI provides Personal Loan Advisors to assist applicants with refinancing

Some of the main features refinancing with ELFI include:

  • Low APRs of
    2.39% APR (variable)* and
    2.47% APR (fixed)*
  • No maximum loan amount restriction or limitation
  • No prepayment penalty
  • No application processing fees
  • No origination fees
  • Repayment terms that can range from 5 years to 20 years

Pros and Cons

Pros

  • Very flexible – Several different plans for different needs and different budgets.
  • Ease – From a seamless application and verification process to a simple single loan payment, ELFI makes life easier.
  • Rate calculator – Even before starting with the application, you can use the find my rate calculator to get an idea of what you could be saving when you refinance your student loan. 
  • Refer and win – It’s a win-win situation for both you and your friend. Have a friend sign up for the program using your referral link and receive $400 as a bonus and your friend will also receive $100 for using the link.**
  • Personal Loan Advisors – ELFI provides personal loan advisors or a single point of contact who can walk you through the loan process and answer any questions you might have.
  • If you previously had a loan with a cosigner they can be removed by refinancing assuming you qualify on your own for a loan. 

Cons

If you happen to combine multiple federal loans and decide to refinance them, you will lose out on other federal repayment options that are otherwise available to you. However, this is the case with any refinancing program.

The Application Process*

Applying is a speedy, three-step process.

  1. Create a profile on the ELFI website and with just a few questions find out your rate.
  2. Upload ID and other requested documents relevant to your student loans, finances, and education.
  3. Electronically sign your new loan agreement and auto debits will be charged to your account every month.

Loan Terms *

There are, of course, some eligibility requirements that you will need to meet to be considered for the refinancing loan. The main eligibility requirements are as follows:

  • A minimum loan amount of $15,000 (can be from multiple education loans) to refinance.
  • A bachelor’s degree, at least, and it should be from an approved post-secondary institution.
  • Must be a U.S. citizen or permanent resident alien without conditions and with proper evidence of eligibility. 
  • Must be aged 18+ at the time of the loan application.
  • All loans are subject to credit approval.

Repayment Terms*

Repayment can range anywhere between 5 years to 20 years, with a 5 year high fixed rate of 2.47%. This depends on your specific loan amount and payback timeframe. It could be different from one applicant to the next. 

How Safe is It?

The security of your information is very important to ELFI. ELFI takes all the required steps and uses the most up-to-date software to ensure that your data is safe. 

Help & Support

The Personal Loan Advisors at ELFI are helpful, well trained, and respond in a timely manner. You can reach out to them either via email, phone call, or even text.

Summary

ELFI refinancing helps graduates with multiple student loans by combining their loans into one simple, easy to pay, affordable loan. The application process involves signing up and uploading documents, and the interest rates are some of the lowest you will find in the industry.

Physical Address

SouthEast Bank

104 N. Seven Oaks Dr.

Knoxville, TN 37922

Education Loan Finance Education Loan Finance View Rates

Disclaimers

Subject to credit approval.  Terms and conditions apply.

*This offer is subject to credit approval and additional requirements, including verification of attendance at an approved post-secondary institution and fulfillment of a Bachelor’s Degree or higher. Complete details, including a list of eligible schools, are available online at www.elfi.com. The interest rate and monthly payment for variable rate loans may increase after closing. 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 $1,100 per $1,000 borrowed. To qualify for refinancing or student loan consolidation through Education Loan Finance, you must have at least $15,000 in qualified student loan debt and must have earned a bachelor’s degree or higher from an approved post-secondary Education Loan Finance institution. Electronic payment is required. Other restrictions may apply. See elfi.com/terms for details. 

**Referral Bonus:  Limit one $400 cash bonus per referral. Offer available to anyone who refers new customers who refinance their education loans with Education Loan Finance. The new customer will be mailed a $100 cash bonus via check and the referring party will be mailed a $400 cash bonus via check within 6-8 weeks of loan disbursement. A new customer is defined as an individual without an existing Education Loan Finance loan account and who has not held an Education Loan Finance loan account within the past 24 months. The new customer is required to register online at www.elfi.com and refinance a student loan with Education Loan Finance within 90 days of registration. The minimum refinance balance required to refinance with Education Loan Finance and obtain the bonus is $15,000. Offer is subject to change without notice. Employees of SouthEast Bank and its affiliates are not eligible.  Taxes are the responsibility of the recipient.

Sarah Pritzker
Written bySarah Pritzker

Sarah Pritzker is a content writer with years of experience and a keen interest in the vast world of online consumer products. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Education Loan Finance
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See what some costumers are saying about Education Loan Finance
Education Loan Finance
ExcellentReviews 1,669
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  • author
    Anthony Da Marto
    2 days ago
    Candice was very responsive and helpful…

    Candice was very responsive and helpful throughout the loan process.

    ...

  • author
    Taylor
    3 days ago
    Very responsive!

    Very helpful and easy to communicate with. Very responsive!

    ...

  • author
    Matt
    4 days ago
    Balla shot calla

    Efficient, easy to navigate, support person emailed the steps and was available to help. Thanks

    ...

  • author
    Jason
    4 days ago
    Very helpful

    Very helpful in asking for what the creditor needed for getting this loan approved.

    ...

  • author
    Customer
    4 days ago
    Great experience

    The team was helpful to verify that I can get refinanced and looked over my documents before I apply. which helped push a lot of things forward. The only improvement is to make it more tech-centric. I received a decision from Earnest within 24 hours of my application submission.

    ...

  • author
    AM
    4 days ago
    Colene was great and very helpful…

    Colene was great and very helpful throughout the whole process. Thank you Colene!

    ...

  • author
    CB
    4 days ago
    ELF did a good job pushing everything…

    ELF did a good job pushing everything through. I gave a 4 due to some areas that need improvement. Their online document uploader is confusing and glitchy given that it sits inside an embedded box on the page. Also, from an administrative perspective, the person that I worked with was super nice and helpful; however, when requesting extra documentation it was in piece-meal emails. A lot of time can be saved by providing the client a list of what's needed in one fail swoop, which reduces the back and forth and speeds up the approval and closing process. Otherwise, EFI was good, friendly and professional.

    ...

  • author
    Grateful
    Oct 16, 2021
    ELFI was great to work with

    ELFI was great to work with! Stan Mitchell guided us every step of the way with care. He was very responsive and helpful.

    ...

  • author
    Erika
    Oct 13, 2021
    Andrea is very prompt and helpful in…

    Andrea is very prompt and helpful in serving us. She did a great job ensuring we had the right information for the loan!

    ...

  • author
    Rich Dowd
    Oct 13, 2021
    Friendly Service

    I had to call a couple of times during the application process and each time I spoke to a live human who knew what they were doing and it actually felt like they were interested in helping. There's a difference between a service rep who has seen it all before and doesn't care anymore, and these folks who have also seen it all but use that experience to help guide those of us who don't deal with loans every day.

    ...

  • author
    Chris Widman
    Oct 10, 2021
    Very helpful agents

    I appreciate that all of the agents I have spoken with on the phone or via email have been helpful, clear in their explanations, and respond in a timely manner. They have also been personable and kind. I feel like they genuinely want to help and care about my experience.

    ...

  • author
    David Jamison
    Oct 08, 2021
    Colene was great

    Colene was great! Kept us on track and responded promptly and clearly throughout the refinancing process.

    ...

  • author
    Sydney Milewski
    Oct 07, 2021
    Amazing experience

    I had an amazing experience with Stan. There were a few hiccups along the way and he did everything in his power to get everything squared away promptly. He was delightful to work with and truly made everything a breeze. I would recommend him to anyone looking to refinance in the future.

    ...

  • author
    Heather L
    Oct 07, 2021
    Andrea was very responsive and helpful!

    Andrea was very responsive and helpful!

    ...

  • author
    Derek Dagendesh
    Oct 07, 2021
    Awesome customer service!

    Stan Mitchell was the customer service/ account representative that helped assist with my application process. He was very responsive and clarified all my questions in a timely manner! 10/10 would recommend!

    ...

  • author
    Joe Casper
    Oct 07, 2021
    Application was very easy

    Stan Mitchell was extremely helpful with my application. There were several points in the process where I was confused (mainly with getting documents from my 2 previous lenders) and Stan worked with me and made it easy.

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  • author
    Tyler Sheff
    Oct 07, 2021
    Great service

    Worked with Candace to get my student loans refinanced and she made it a streamline process.

    ...

  • author
    Yatish Brar
    Oct 06, 2021
    ELFI - Refinance made easy!

    I worked with Stan Mitchell throughout my refinance process. Stan was easy to work with and gave the appropriate guidance to swiftly complete the loan application process! Greatly recommend him!

    ...

  • author
    Emily
    Oct 06, 2021
    Colene was quick to respond to all of…

    Colene was quick to respond to all of my messages and clear with explaining what I needed to complete my refinancing!

    ...

  • author
    Kyle Kruzel
    Oct 01, 2021
    Stan The Man

    From the start, Stan was attentive and worked with me to get the best rate through a somewhat frustrating process (not Stans fault). He reached out to apologize for the process, make sure I have all my documents in, and was there if I had any questions along the way. Would highly recommend.

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  • author
    Lasered
    Sep 30, 2021
    Highly recommend!

    Very easy to work with and quick responses.

    ...

  • author
    Michelle Brougham
    Sep 30, 2021
    Helpful in making the change to…

    Helpful in making the change to refinance my student loans. They walked me through the process with steps and what happens next.

    ...

  • author
    JW
    Sep 30, 2021
    Great Experience with ELFI

    It was a pleasure working with Stan Mitchell on getting my daughters school loan refinanced. He kept us in the loop from the moment we started the process ensuring we got all of the required documentation uploaded quickly and easily.

    ...

  • author
    Ryan D
    Sep 28, 2021
    Great refinancing experience

    Helped me get a great rate when refinancing my student loans. The customer support I received was outstanding.

    ...

  • author
    Katie Martin
    Sep 28, 2021
    Very helpful and incredibly easy to…

    Very helpful and incredibly easy to process.

    ...

  • author
    Richard Will
    Sep 25, 2021
    ....

    ............

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  • author
    Nicole Ware
    Sep 24, 2021
    Amazing Customer Service

    ELFI assigned me my Student Loan Advisor, Candace, the following morning after submitting an application for my student loan refinance. From here on out the entire process was seamless, with prompt and easy to understand replies from Candace and the team at ELFI. My loan was finalized in only two short days! I was blown away at the level of responsiveness and customer support that ELFI has provided.

    ...

  • author
    Austin Dusseau
    Sep 23, 2021
    Very easy

    This was surprisingly easy and straightforward, people were very responsive. Thanks

    ...

  • author
    Pleased Customer
    Sep 23, 2021
    Good communication

    Good communication, very prompt and professional.

    ...

  • author
    Jayme
    Sep 22, 2021
    Andrea was extremely helpful and quick…

    Andrea was extremely helpful and quick to respond to my questions.

    ...

  • author
    Joshuah Tinker
    Sep 22, 2021
    Wonderful to work with, will be refinancing more loans with ELFI!

    My Loan Advisor was named Scott. Throughout the entire process, Scott and others who answered my questions/phone calls were professional, direct, and extremely helpful. It made the process of refinancing my student loans an absolute breeze!

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  • author
    Kelsey
    Sep 21, 2021
    I have refinanced my student loans with…

    I have refinanced my student loans with ELFI twice now and they have been amazing. Customer service is great and everything is super clear! I’ve recommended them to friends and would recommend them to you as well!

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  • author
    Jake Brandt
    Sep 18, 2021
    Great experience

    Stan Mitchell was my assigned rep and helped us through the entire process. He was there for any/ all questions we had and responded quick - really made for a stress fre experience!

    ...

  • author
    Amanda Kendig
    Sep 17, 2021
    My experience with Elfi has been great

    My experience with Elfi has been great. Candace was my assigned rep and she made everything extremely easy. She let me know exactly what was needed, when it was needed and even how to do it to make the process very easy. Thank you Candace for all the help and wonderful experience!

    ...

  • author
    Gillian Brassil
    Sep 16, 2021
    Didier was very helpful with my…quick and easy

    Didier was very helpful with my application. She was quick to respond to my questions and seemed to really know everything.

    ...

  • author
    Elisha Sircy
    Sep 15, 2021
    a model of customer service

    Scott Owen was very patient and responsive to all of our questions and concerns. He kept us informed with all of the details and requirements for the loan application process. We could not have asked for better help from the loan provider.

    ...

  • author
    Mitchell
    Sep 14, 2021
    Colene was fantastic.

    Colene was fantastic.

    ...

  • author
    Anthony Sims
    Sep 14, 2021
    Awesome Experience!

    Was very helpful and responsive. Great Job!

    ...

  • author
    Nancy Heard
    Sep 09, 2021
    Thank you for helping me fund my children's future!

    Joshua did a great job for me! Easy application, quick turn around time! Thank you for helping me fund my children's future!

    ...

  • author
    Ross
    Sep 09, 2021
    It was very easy to do and switch

    It was very easy to do and switch. Stan was on top of everything!

    ...

  • author
    Jenna
    Sep 09, 2021
    Helpful, Clear, and Kind!

    Stan was an incredible counselor throughout the whole process of refinancing my school loans! I am not very comfortable with the entire school loan process but felt fully supported in completing the application process with his easy to follow guidance! I feel very confident in my decision to go with credible as my loan refinancing company solely based on his help and clear communication! I wish more financial counselors were like Stan! It would have saved me from many stressful experiences!

    ...

  • author
    Kimberley Stroupe
    Sep 09, 2021
    Extremely easy process and great rates!

    Extremely easy process and great rates!

    ...

  • author
    Korrie
    Sep 06, 2021
    Really great experience!

    I had an excellent experience with ELFI! Stan Mitchell was super helpful, knowledgeable, and truly wonderful to work with! He was responsive to all of my questions and made my refinancing process a great experience!

    ...

  • author
    Bearsfeat, Inc.
    Sep 03, 2021
    Great service

    Excellent customer service. Very knowledgeable, quick response time, excellent communication.

    ...

  • author
    Mk
    Sep 03, 2021
    Awesome!

    Awesome, very helpful.

    ...

  • author
    Gabriel Cristerna Valencia
    Sep 03, 2021
    Scott was excellent

    Scott was excellent. Very timely, professional, knowledgeable and provided great advice and solutions.

    ...

  • author
    R. Garcia
    Sep 02, 2021
    Customer Service

    Excellent customer service.

    ...

  • author
    Stephanie Mayorga
    Sep 02, 2021
    Responsive and kind

    Responsive and kind

    ...

  • author
    Zachary Oestereich
    Sep 02, 2021
    If I had it to do over again….

    I just refinanced a student loan using Credible.com, then selecting an offer from ELFI.com. As a whole, the process was straightforward. But I have 3 complaints so I’m demoting this review by 3 stars. 1) the final rate given is higher than what was offered & accepted at credible.com. (They snuck a higher rate in at closing. Perhaps they thought I wouldn’t notice?). 2) Their representative asked for documents that had already been given. 3) Credible.com said that ELFI.com would be in touch with me within 2 days, it actually took 6. I’m glad I had patience. In the end, I have refi’d my loan with an acceptable rate. But if I had it to do again, I would choose a different lender.

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  • author
    Charl Potgieter
    Sep 02, 2021
    Scott Owen was great and very…

    Scott Owen was great and very responsive. Helped me along with getting my loan docs organized and submitted!

    ...

  • author
    Melissa Jeanty
    Sep 02, 2021
    Super easy great service

    Super easy great service! Highly recommend.

    ...

  • author
    Holli Mclamb
    Sep 02, 2021
    Best customer service

    The best part of ElFi was that when I called them with a question a real person answered the phone and was kind and helpful. Their interest rate was better than the federal government.

    ...

  • author
    William Hussey
    Sep 02, 2021
    Awesome experience

    Awesome experience. Hassle free!

    ...

  • author
    Tammy Andrews
    Sep 01, 2021
    Student Loan Refinance

    The whole process with Education Loan Refinance was simple and quick! You get your own personal loan advisor that communicates with you every step of the way. Stan Mitchell was my advisor and was excellent! Thanks ELFI!

    ...

  • author
    Emeka Oguh
    Aug 27, 2021
    Andrea was great!

    Andrea was professional, responsive and very easy to work with.

    ...

  • author
    Jayme Del Gatto
    Aug 26, 2021
    Very communicative and friendly

    Very communicative and friendly

    ...

  • author
    Madeline
    Aug 25, 2021
    Andrew was super clear and quick with…

    Andrew was super clear and quick with her responses. She explained exactly what she needed from me and kept me updated throughout my entire application process.

    ...

  • author
    MV
    Aug 25, 2021
    Great experience refinancing student loans

    Didn't know what to expect and was nervous I'd get the paper work wrong but Stan and his team walked me through it and it was much easier than expected. Got a great rate and would highly recommend!

    ...

  • author
    Matthew Larson
    Aug 25, 2021
    Excellent service throughout!

    Candace was very attentive and responsive throughout the entire process. I have no complaints and would use ELFI again.

    ...

  • author
    Matt
    Aug 25, 2021
    Great and responsive service.

    Great and responsive service.

    ...

  • author
    Joseph
    Aug 23, 2021
    The Best Option and It's Not Even Close

    The Advisor I had the pleasure of being guided through the application process by Stan Mitchell. I could not have asked for a more helpful, personable, and efficient individual to have as my advisor. He had every answer, was quick to respond, and made the entire process pleasant and stress-free. The Process The process of applying for student loan refinance with Elfi was incredibly simple, well laid out, and efficient. I never waited more than a day or two to hear back on next steps, decisions, etc. The Difference I had several students loans that were accruing a preposterous amount of interest and after trying to refi with several other places, I was super discouraged and convinced I would be paying ridiculous monthly payments forever. When I discovered Elfi, I could tell that things were different from the start and that was true all the way through approval. The Opportunity The one and only thing I could suggest to improve the process is to revisit website design/function and make the website more robust. Along those lines, an easy-to-use app would also be a great addition to the UX. (I was just approved the day of writing this review, so if these things exist and I just haven't been onboarded yet, my apologies.)

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  • author
    Vicki
    Aug 20, 2021
    Stan Mitchell

    Stan Mitchell, Student Loan Advisor II, with ELFI did a great job of assisting me through the loan refi process. He was very responsive and customer-focused. Thanks, Stan! The overall experience with ELFI was easy and seamless.

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  • author
    Jenni
    Aug 20, 2021
    Quick and easy process

    Quick and easy process. Thanks for all your help!

    ...

  • author
    Andy Gill
    Aug 19, 2021
    Great Service

    ELFI (Scott Owen in particular) was very helpful throughout the application and approval process. All pertinent information was provided and any communication required was straight-forward and thorough. In the end, the service promised was the service provided.

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  • author
    Jinhee Park
    Aug 17, 2021
    Very Prompt in addressing my needs!

    Very Prompt in addressing my needs!

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  • author
    Mitchell Durkin
    Aug 17, 2021
    Stan was incredibly helpful and…

    Stan was incredibly helpful and efficient with my loan. I definitely recommend ELFI.

    ...

  • author
    James S
    Aug 12, 2021
    Great customer service. Quick Review. APR is very competitive

    APR is very competitive. Not the absolute lowest but very competitive This was a quick and pleasant experience. Both underwriting and loan adviser staff worked quickly, and remained in communication throughout the process. The whole process took less than 5 business days. YMMV I appreciate that almost everyone involved in the process technically work for SouthEast ELFI which reduces miscommunication whereas some lender contracted or outsourced part of the process, resulting in miscommunication at times At SouthEast ELFI, I found that having someone review the document and tagging them with the appropriate description before sending it to underwriting helped to speed things up. This was a good idea, more lenders should do this

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  • author
    Teagan O'Sullivan
    Aug 12, 2021
    Stan Mitchell was a great

    Stan Mitchell was a great help as I had just started a new job and had a shorter job history being a newer graduate.

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  • author
    Melissa Liang
    Aug 11, 2021
    Colene at ELFI was absolutely…

    Colene at ELFI was absolutely phenomenal in explaining everything that was required. She was kind and patient. She made us feel welcomed and was an exceptional guide through the process. It would have been so complicated without her! Thank you, Colene!

    ...

  • author
    Max Cohen
    Aug 11, 2021
    Stan Mitchell was incredibly helpful

    Stan Mitchell was incredibly helpful. He provided a hands on approach and made sure that I had all my documents in order and even made sure to expedite things on his end to help my refinancing application

    ...

  • author
    Guy B
    Aug 06, 2021
    The process was smooth and easy

    The process was smooth and easy. My loan assistnat Stan did a great job and was in constant communication

    ...

  • author
    Adam
    Aug 06, 2021
    All-around Competitive

    The process was straightforward and moved without delay. The terms are competitive, and the support is great! Stan specifically was very effective.

    ...

  • author
    Lauren
    Aug 05, 2021
    Stan was very patient and helpful in…

    Stan was very patient and helpful in guiding me through the refinance process.

    ...

  • author
    Robert Blankinship
    Aug 04, 2021
    Great work!

    My loan representative did a great job!

    ...

  • author
    Samantha Smith
    Aug 04, 2021
    A Helpful Human

    Candace helped me throughout the whole refinancing process. It was nice to communicate with an actual human being. I had a few hiccups during the approval process, and Candace walked me though how to resolve everything. I am very thankful.

    ...

  • author
    Zack
    Aug 03, 2021
    Amazing service!

    Colene was so helpful throughout the whole process.

    ...

  • author
    Clinton Kaasa
    Jul 30, 2021
    Completed the whole process from…

    Completed the whole process from application to approval in less than a week! Payoffs to my PLUS loans will happen after the Truth in Lending Right of Rescission expires. Couldn’t be happier with the service by Dylan Sparks!!

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  • author
    Samantha Egbert
    Jul 29, 2021
    Easy process and responsive loan…

    Easy process and responsive loan advisor.

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  • author
    Loche
    Jul 28, 2021
    Very helpful!!

    They were very quick to respond and helped me every step of the way! I would definitely recommend to a friend.

    ...

  • author
    Ryan Schultz
    Jul 27, 2021
    They were very punctual

    They were very punctual. The entire process was rather swift and very easy to follow. I went from quote to accepting my loan within a couple days.

    ...

  • author
    J & L Galaites
    Jul 27, 2021
    Dylan was very helpful with our…

    Dylan was very helpful with our questions through the refi process. Dylan was great with following up and keep us up to date on the process.

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  • author
    Jon DeSantis
    Jul 23, 2021
    Great and easy experience

    I worked with Candace Scanlin on my refinance loan, and she was incredibly responsive and easy to work with. Thank you for making the process as quick and easy as possible!

    ...

  • author
    Benjamin Stec
    Jul 22, 2021
    Quick and easy refinance of student…

    Quick and easy refinance of student loans. Great communications

    ...

  • author
    Payton
    Jul 21, 2021
    Scott Owen goes above and beyond

    Scott Owen was quick to respond, informative, and answered some of my questions before I even had a chance to ask. He also served as a fantastic intermediary between underwriting and my prior servicer to ensure all financials were squared away.

    ...

  • author
    Patrick Farabee
    Jul 19, 2021
    Thanks for the help

    Colene did an amazing job of walking me through the application process. She remained patient with me and help make sure I had the needed documentation.

    ...

  • author
    Em Burd
    Jul 19, 2021
    Stan was extremely helpful in his quick…

    Stan was extremely helpful in his quick communications while processing my documents!

    ...

  • author
    Eric
    Jul 19, 2021
    I had a great representative that was…

    I had a great representative that was very responsive and worked with me to get everything done in a timely matter.

    ...

  • author
    LoanRefinancer102345
    Jul 16, 2021
    Second time refinancing my grad student…

    Second time refinancing my grad student loans with Elfi, and my experience working with Stan Mitchell was phenomenal both times. Fast, clear, and helpful communication. Asked me only for what he needed and handled all of the internal logistics. I had some unique additional income to report for the underwriting team to consider, and Stan facilitated that process perfectly. The fact that I got to work with Stan was a huge factor in me choosing Elfi over Sofi (who also had great service and a comparable rate), in addition to the easy experience making payments through the Mohela portal. Highly recommend Elfi, and hopefully you too get to work with Stan!

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  • author
    Katrina Nikitsina
    Jul 13, 2021
    Had an excellent service

    Had an excellent service, thank you !

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  • author
    Katherine Mckinster
    Jul 13, 2021
    Colene was so helpful!

    Colene was so helpful!! She responded quickly indicating that she cared about her job and the people she is working with. Through her, I quickly realized what additional documents I needed so I could move forward with my refinancing. Thank you so much Colene!!

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  • author
    Stephanie Hull
    Jul 13, 2021
    fast and helpful!

    I was nervous to refinance a portion of my loans because I wasn’t sure how hard the process would be. Stan made it incredibly easy and was patient with me as I gathered the required documents. He was very helpful and responded quickly when I had questions.

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  • author
    Lucas Baker
    Jul 10, 2021
    ELFI was super helpful with every step…

    ELFI was super helpful with every step of the loan refinancing process. I loved how well they were communicating with me throughout it.

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  • author
    Matt Melczak
    Jul 09, 2021
    I have worked with Stan since step 1 of…

    I have worked with Stan since step 1 of this process and his communication and timeliness have made it a breeze. Would highly recommend.

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  • author
    Jacob Forster
    Jul 08, 2021
    Great service

    Great service. Responded quickly to all communications.

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  • author
    Brock Best
    Jul 08, 2021
    Excellent

    Excellent, straightforward process.

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  • author
    David
    Jul 06, 2021
    This was an exceptionally fast and easy…

    This was an exceptionally fast and easy refinance of my private student loans. This was an exceptionally fast and easy refinance of my private student loans. Turn around time from application to disbursement (on 7/9) will be approximately 2 weeks!!! Ms. Galveston was very responsive to emails; often return emailing in minutes rather than hours or days as with many other ‘customer service representatives’ I have already recommended ELFI to two coworkers and will continue to do so.

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  • author
    Very pleased customer
    Jul 06, 2021
    Great service

    Great service. Great communication.

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  • author
    Kayla L.
    Jul 02, 2021
    Student Loan Refinancing

    Had the pleasure of working with Stan Mitchell to refinance my student loans. He was super prompt and helpful throughout the entire process. Nothing but great things to say. Much thanks !!

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  • author
    Ali Nili
    Jul 01, 2021
    My experience with Stan Mitchell was so…

    My experience with Stan Mitchell was so great, he made my life much easier and was a key reason I signed up with Elfi.

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  • author
    Charlotte Mcguire
    Jun 29, 2021
    Candace Scanlin was exceptionally…

    Candace Scanlin was exceptionally friendly and helpful in assisting me with refinancing my loans. I got The rate I wanted. The portals were easy to use and underwritting was fast. Thanks so much!

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