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Education Loan Finance Review

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Reviews 1,920

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Sarah Pritzker
Sarah Pritzker
Jun. 15, 20224 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
    2.48% APR (variable)* and
    3.99% 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 $10,000 (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 3.99%. 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 $10,000 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 $10,000. 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
Education Loan Finance
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  • author
    Emefa Wemegah
    Jan 01, 1970
    Joshua

    Positive attitude, great help, extremely nice and cooperative. Keep it up Joshua!

    ...

  • author
    Sarah Johnson
    Jan 01, 1970
    Fast and easy process

    I applied to refinance my SallieMae loans, and it was literally done within a week. Super fast and easy

    ...

  • author
    Alexandre Ait Ettajer
    Jan 01, 1970
    Awesome and Professional

    This was my second time, getting help from Stan. He did great!

    ...

  • author
    Lisa Martin
    Sep 23, 2022
    Dylan gets it done

    Dylan gets it done. Thanks for the relief Mr! $$$

    ...

  • author
    Whitney Trent
    Sep 21, 2022
    Very helpful proactive outreach by…

    Very helpful proactive outreach by colene to get documentation submitted & very responsive!

    ...

  • author
    Abdallah Hamieh
    Sep 21, 2022
    So far fast accurate and easy

    So far fast accurate and easy

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  • author
    Chris C.
    Sep 21, 2022
    Joshua Mitchell

    Josh made the entire process from inquiring about loan rates to submitting the application as simple as possible. Having dealt with another very well-known SL lender recently, i was pleasantly surprised how smooth this entire transaction was.

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  • author
    Delaney Dalton
    Sep 17, 2022
    Helpful!

    Deidre was very helpful especially in getting my employment history straightened out m

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  • author
    William Pratt
    Sep 16, 2022
    Answered all questions in a timely…

    Answered all questions in a timely fashion and explained the process.

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  • author
    Kimberly Mae Moll Lee
    Sep 16, 2022
    Very helpful and responds fast.

    Very helpful and responds fast.

    ...

  • author
    Brian Weller
    Sep 15, 2022
    Colene did a great job

    Colene did a great job! She is very knowledgeable and professional!

    ...

  • author
    Madison Smiley
    Sep 14, 2022
    Colene was extremely helpful and very…

    Colene was extremely helpful and very responsive. Student loans is an overwhelming subject and she made it easy and digestible.

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  • author
    Nancy S
    Sep 13, 2022
    Great customer service timely…

    Great customer service timely communication and excellent explanation of the process. Thanks so much 🙏🏽 Excellent low rates very fair process.

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  • author
    C P
    Sep 11, 2022
    Colene was quick to respond and easy to…

    Colene was quick to respond and easy to work with

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  • author
    April Strickland
    Sep 09, 2022
    The student loan refinancing was a very…easy.

    The student loan refinancing was a very easy process. I was kept well informed every step of the way.

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  • author
    anoun
    Sep 09, 2022
    Colene Helveston was exceptional!

    Colene Helveston was exceptional!

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  • author
    Felicia
    Sep 09, 2022
    Colene Helveston and the entire team…

    Colene Helveston and the entire team were very persistent in helping me to acquire this loan. I had a difficult time getting in contact with my place of employment district office personnel. However, the staff continued to show concern and patience until the loan was finalized. I was given a low interest rate and a low payment that I know I can afford being a working single adult.

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  • author
    Melissa Mccadden
    Sep 09, 2022
    Friendly

    Friendly, quick, simple

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  • author
    michelle lemieux
    Sep 06, 2022
    Emily was super helpful and responsive…

    Emily was super helpful and responsive to our questions. Thanks!

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  • author
    Jesse Souchek
    Sep 06, 2022
    Seamless

    Easy and streamlined

    ...

  • author
    Shania Flagg-Louison
    Sep 06, 2022
    Extremely Prompt and Professional

    Didier Leclaire was extremely prompt and responsive to my inquiries regarding the student loan refinancing process. I appreciate their straightforward approach and expediency in facilitating everything. Highly recommend this person!

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  • author
    Carson Knight
    Aug 24, 2022
    Review

    Emily was very helpful and answered all my questions

    ...

  • author
    Zoe P
    Aug 24, 2022
    Emily was very helpful in all areas

    Emily was very helpful in all areas. She was thorough, timely, and answered all our questions along the way.

    ...

  • author
    Nicole S
    Aug 23, 2022
    Easy Peasy!

    I’m thrilled with how easy my experience with ElFi was. Dylan was fantastic to work with and was super responsive throughout the whole process. A potentially difficult and stressful situation was made simple and pain free because of a great Student Loan Advisor! Thanks Dylan and the ElFi team!

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  • author
    Joann G
    Aug 23, 2022
    5 STAR CUSTOMER SERVICE

    Quickly processed my application. Provided helpful and clear instructions. Appeared to have my best interests at heart. Communicated in a very polite and professional manner.

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  • author
    Sabrina Lounsbury
    Aug 23, 2022
    Didier, excellent rep.

    Didier, was on top of this. Her emails kept me informed through the entire process. Made it very simple for me.

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  • author
    Jeff O.
    Aug 22, 2022
    Quick and Easy to Deal with

    Quick and Easy to deal with, Dylan was very responsive and answered all of my questions immedi

    ...

  • author
    Srikanth Krishnan
    Aug 22, 2022
    Very happy with most of the process.

    Start to finish, this was a clearly explained and well communicated process. Stan Mitchell is absolutely lovely. My only critique would be that the cosigner's login process could be better differentiated from the primary applicant's.

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  • author
    Leslie Muth
    Aug 19, 2022
    Didier leclaire was very helpful…

    Didier leclaire was very helpful answering all my questions and guiding me through the process. My experience was excellent, easy and smooth

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  • author
    K.G.
    Aug 18, 2022
    Great communication and quick responses.

    Great communication and quick responses.

    ...

  • author
    Serban Ionita
    Aug 16, 2022
    Great streamlined process

    Great streamlined process

    ...

  • author
    Bethany Henry
    Aug 16, 2022
    Joshua was awesome to work with

    Joshua was awesome to work with. Very helpful!

    ...

  • author
    Kyler Drumhiller
    Aug 12, 2022
    Very easy and simple instructions with…

    Very easy and simple instructions with pictured guides to accompany the directions. By far my easiest loan application yet.

    ...

  • author
    Farzaan
    Aug 11, 2022
    Helpful service

    Helpful service

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  • author
    Daniel
    Aug 11, 2022
    Great experience

    Colene helped with everything and made it an easy process. She let me know which documents I needed to resolve and she handled the rest.

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  • author
    William Stahl
    Aug 09, 2022
    Dylan was very helpful and prompt.

    Dylan was very helpful and prompt.

    ...

  • author
    Beto Sierra
    Aug 09, 2022
    Love it really love this loan

    Love it really love this loan

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  • author
    Max
    Aug 05, 2022
    Stan Mitchell guided me through the…

    Stan Mitchell guided me through the whole experience and helped me get everything set. Made life easy for me.

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  • author
    Erika
    Aug 05, 2022
    Dylan Sparks was more than helpful to…

    Dylan Sparks was more than helpful to me. He always emailed back in a timely manner and it was always helpful. I’m a first generation college grad, so I had a lot of questions about consolidating my loans! He needs a raise!

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  • author
    Myles Cooper
    Aug 04, 2022
    Dylan was very helpful with getting my…

    Dylan was very helpful with getting my application processed

    ...

  • author
    Maria Hurtado
    Aug 04, 2022
    It was great

    It was great! Emily responded quickly to all me questions.

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  • author
    Ben Piacquadio
    Aug 02, 2022
    An annoying process made easy

    An annoying process made easy

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  • author
    Whitney R
    Aug 02, 2022
    Great customer service!

    Dylan was very helpful and kept me updated to through the entire process. He answered any questions I had. I would definitely recommend my friends and family to Educate Loan Finance if they need to refinance loans. They are wonderful!

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  • author
    Mile Mi
    Aug 02, 2022
    Best experience ever

    Best experience ever! I have already told so many friends about this loan. First - the rate you are quoted is the rate you get - I kept waiting for it to change. Save yourself some time - many of the other programs will say between 3%-12% - I have extremely low debit/income and high credit score and w/ each email the rate went up. Not with ELFI - stayed the same from the beginning. Dylan was fantastic and if I have to do another loan I hope he is my contact. Very responsive and great to answer any questions!

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  • author
    Justin
    Aug 02, 2022
    Dylan and the team at ELFI are amazing!

    Dylan and the team at ELFI are amazing! Dylan was really prompt in answering all of my questions via email, and ELFI offered the best rate I could find in refinancing my student loans since I just graduated in May. The entire process was simple and easy to complete. I would definitely ELFI to anyone and have been telling my friends from college about ELFI as well.

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  • author
    Connor Denney
    Jul 29, 2022
    10/10 Process with Education Loan Finance

    My experience with Education Loan Finance was excellent! I worked with Didier Leclaire from start to finish, and he went above and beyond. I consolidated 3 Loans and when any documentation was needed he provided step by step of how to obtain them. He responded in a very timely manner and made the process a breeze!

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  • author
    Tmp
    Jul 29, 2022
    Pleasure to work with

    Colene Helveston was a pleasure to work with. She was very communicative and helpful through the entire process. Refi was completed quickly and easily. I highly recommend.

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  • author
    Luke Morais
    Jul 28, 2022
    Smooth transition

    Didier was very helpful and he was very quick with his responses when need be.

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  • author
    Martin Mercer
    Jul 27, 2022
    Two thumbs way up

    Two thumbs way up! He was so fast.

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  • author
    Veronica
    Jul 27, 2022
    Refinance with ELFI!

    Colene is incredibly helpful. I had many concerns and questions and never had any issues getting answers. I had to change contact information and Colene was so helpful in the entire process.

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  • author
    Ethan
    Jul 26, 2022
    Dylan Sparks was a solid agent

    Dylan was kind, quick, and informative. They made the refinancing experience easy and quick.

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  • author
    Carolyn Hall
    Jul 26, 2022
    Fast

    Fast, easy approval process.

    ...

  • author
    Jake Castroreale
    Jul 24, 2022
    Colene was very friendly and timely in…

    Colene was very friendly and timely in her responses which made the process very easy for me

    ...

  • author
    Sadie
    Jul 22, 2022
    Quick turnaround time, easy system to get set up for refinancing

    Stan Mitchell was my loan advisor. I had lots of loans and lots of background information to sift through to be able to refinance, but he made it easy and as straightforward as possible! I just got accepted for my loan refinance yesterday - it was a quick turnaround time and I’m looking forward to getting my loan paid off quicker and at a lower interest rate.

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  • author
    Keara Fenzel
    Jul 21, 2022
    Joshua was very clear and helped answer…

    Joshua was very clear and helped answer my questions promptly and kindly. I recommend this to my friends!

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  • author
    Sharon Alabi
    Jul 21, 2022
    Good rate

    Good rate, fast service. Easy to use online application tools and straightforward interaction with my loan agent. I have no complaints.

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  • author
    Samantha D
    Jul 19, 2022
    Didier Leclair Review

    Didier was extremely helpful and responsive. They helped me with any questions I had and were detailed yet clear with their answers.

    ...

  • author
    Thomas Walker
    Jul 17, 2022
    ELFI was a great option

    ELFI was a great option to finance my son’s college. The process was very easy. The staff was very responsive. And the rates were excellent.

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  • author
    imran
    Jul 13, 2022
    Stan was remarkable

    Stan was remarkable! What a refreshing and pleasant experience to work with an individual as kind as Stan. He was extremely professional and helpful and made the loan refinancing process as smooth as possible. thank you!

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  • author
    Thomas Hommrich
    Jul 13, 2022
    Thank you!

    Josh was very helpful and always provided timely and accurate information, thanks

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  • author
    Nadine Kubinski
    Jul 12, 2022
    Good Experience!

    It was a bit frustrating at some points but finally got through the process. I am very happy to have consolidated all the student loans. The loan representatives were very helpful and professional. I would recommend anyone looking to refinance check out the site.

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  • author
    John
    Jul 08, 2022
    Good process

    Really straightforward made it clear what to do to get everything done. Recommend for recent grads looking to consolidate. And I actually got the advertised rate from the pre- screening

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  • author
    Emily Feehery
    Jul 07, 2022
    Easy, personal, affordable

    This process was not only easy, but made me feel SUPER safe with my decision. A REAL person emailed me back and forth in real time and was very personable through the whole process. It cut my previous payment by over HALF, and has reduced my stress level GREATLY.

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  • author
    A. Williams
    Jul 05, 2022
    Simple and easy!

    I had been putting off consolidating some of my student loans and the process with ELFI was simple and easy. Stan was very helpful and let me know what was needed, asked clarifying questions, and was a friendly resource as I went through the process. Overall, it was so easy and simple that I feel silly I didn't do it sooner!

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  • author
    Andrew Dibella
    Jul 05, 2022
    Stan was very tentative and responsive

    Stan was very tentative and responsive. He did a great job

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  • author
    Alex Sommer
    Jul 05, 2022
    Great Rates & Customer Service

    Dylan and the rest of the ELFI team were super helpful with ensuring that I turned in all of the correct documents for my student loan refinance. I had so many questions and the team at ELFI was able to answer everything super quick and thoroughly. They also offered me the lowest rate compared to their competitors!

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  • author
    Michael Lasater
    Jul 02, 2022
    Refi from Federal program at much lower rate

    Fast approval with good communication by Stan. Rates and terms were as advertised.

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  • author
    Umberto Muñiz
    Jun 29, 2022
    This was a very efficient application…

    This was a very efficient application process. The student loan reps do a great job in explaining what is needed as well as giving instructions in what to expect after you finish your application. Overall I am very well pleased and grateful I was given an opportunity to pay down my debt at a lower interest rate.

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  • author
    Morgan
    Jun 29, 2022
    The BEST company.

    Refinancing my student loans was something that I was very nervous about. I started this process on Credible, and then chose the company Education Loan Finance due to them having the best rate. They have the most OUTSTANDING customer service, and hopefully you have the pleasure to work with Stan M. He went above and beyond everything I expected and answered any questions that I had. When you call their customer service, you get to talk to an actual person and they would always direct me to Stan for help. It was a very smooth process and if a problem did arise, it was communicated fast and we got everything figured out. I highly recommend this company if you need to consolidate/refinance your student loans. I originally thought I would be paying my loans off for school for eternity, but they helped lower my interest rate AND payment all together. Such a blessing and a great company.

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  • author
    Christopher Scantlebury
    Jun 28, 2022
    Awesome Service

    Colene was very helpful throughout the process and gave me instructions every step of the way. She gave me great guidance and pointed me in the right direction. I’m very satisfied with working with her and would definitely recommend people I know to working with her

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  • author
    Christopher Scantlebury
    Jun 24, 2022
    Highly Recommend

    It was an awesome experience working with ELFI. My buddy referred me and everything he said about them was true. Very helpful providing me with professional advice along the way. Their process was very straightforward and they communicated with me in no time. I'll definitely be recommending them going forward

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  • author
    Gregory Snyder
    Jun 24, 2022
    Excellent

    Excellent, exemplary service from start to finish. They made refinancing my loans very easy and really convenient. Dylan was amazing and replied to any and all questions promptly.

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  • author
    Matthew
    Jun 14, 2022
    Great Representative

    Didier was a true professional and helped me every step of the way. They are an incredible representative for ELFi and I am thankful to have had them around during this process. Thank you Didier!

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  • author
    Rebecca Ricardo
    Jun 14, 2022
    Thank you Stan!

    Stan did a very good and attentive job helping me

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  • author
    Chianti Ghalson
    Jun 04, 2022
    Student Loan Refinance

    Very smooth experience, and Dylan Sparks was very helpful throughout the process.

    ...

  • author
    Bennett Stahl
    Jun 03, 2022
    Wonderful experience with the team at…

    Wonderful experience with the team at elfi. Really helped me out. Particularly Stan.

    ...

  • author
    Alexander Pallagi
    Jun 03, 2022
    Dylan did a phenomenal job helping me…

    Dylan did a phenomenal job helping me out with my loan!

    ...

  • author
    Stephanie
    Jun 02, 2022
    Stan was timely and responsive with all…

    Stan was timely and responsive with all communication and was very helpful whenever there was a question!

    ...

  • author
    Maria Ocrant
    Jun 01, 2022
    Stan Mitchell - EXCEPTIONAL CUSTOMER SERVICE

    Stan Mitchell was extremely helpful in outlining the process as well as providing assistance. Amazing customer service even on a Friday evening before a holiday. He is a great asset to your company and we are very thankful for his assistance. BEST loan and customer service experience!

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  • author
    Jennifer Hadden
    May 31, 2022
    Stan made it effortless !

    Stan made it extremely easy for Me to refinance my student loans ! Elfi was able to cut my student loan payments in half! The goal is to pay off my house focusing on that. Then hammering down my student loans so it helped alot to be able to get a lower monthly payment for my student loans while i knock down payments else where. I am a traveling nurse so my contracted jobs can change every 13 weeks depending on where i am needed the most. I am sure it was a pain in the butt to get me approved due to that fact. Thank you so much Stan I appreciate your help!

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  • author
    Mischel
    May 26, 2022
    Great Customer Service

    Didier was great to work with. She answered all questions quickly and was very friendly. I would definitely work with Didier again if needed!

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  • author
    Lauren Cowden
    May 17, 2022
    Stan was incredibly kind and helpful!

    Stan was incredibly kind and helpful!

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  • author
    Noah
    May 13, 2022
    Dylan was Great!

    Dylan was great. Friendly and professional. Helped me every step of the way. 10/10

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  • author
    Shir Erlich
    May 12, 2022
    Great experience

    the application process was very thorough and Stan, my loan advisor, was able to answer all my questions quickly. I do appreciate the extra information they provided that wasn't even asked for so that I was well information about my decision before signing the refinancing.

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  • author
    Deanna G.
    May 10, 2022
    My application experience was fabulous!

    My application experience was fabulous! My assigned ELFI representative (Dylan Sparks) was courteous, responsive, and efficient and guided me through every step of the application process. With (and because of) his assistance I got through the entire process (application through approval) with a rate that I was happy with in around 48 hours (if that long). I couldn't be happier with the experience I've had so far and, from an application perspective, I would recommend ELFI to anyone looking to refinance / consolidate educational loans.

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  • author
    Clayton Garrett
    May 05, 2022
    Stan Mitchell

    Stan was a consumate professional and timely with everything. His attention to detail was not only needed but appreciated to make things happen.

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  • author
    Triana
    May 05, 2022
    Exceptional service

    Stan was the loan advisor helping me through the process and I couldn't be happier with him or his representation of ELFI. I never had to wait more than a day for a response and his emails were always so thorough and personable (it's as if I got an actual feel for his character). He was great, and I'm so excited to be working with ELFI for the next few years.

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  • author
    Ashley Layne
    May 03, 2022
    Dylan was fantastic during my…

    Dylan was fantastic during my refinancing experience. He answered all of my questions and gave me clear and concise information during the process.

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  • author
    Ashley
    Apr 29, 2022
    I have had a great experience with ELFI…

    I have had a great experience with ELFI so far. They are very quick to respond to questions and want to work with/for you. Stan has been great to work with trying to refinance student loans for the first time.

    ...

  • author
    Rebecca
    Apr 28, 2022
    Excellent Customer Service

    Fast, friendly, and professional.

    ...

  • author
    Alec Greenlund
    Apr 25, 2022
    Didier was very helpful and kind during…

    Didier was very helpful and kind during this process.

    ...

  • author
    Benjamin Palfey
    Apr 20, 2022
    Timely responses and helped clear up…

    Timely responses and helped clear up questions we had regarding refinancing our student loans!

    ...

  • author
    Kolten Astle
    Apr 20, 2022
    Stan was very helpful through our…

    Stan was very helpful through our process. He walked us through each of the steps to refinance and was very attentive to responding promptly to our emails. Highly recommend!

    ...

  • author
    Lisa Fuller
    Apr 15, 2022
    Great job!

    Pleasant and personable. Prompt replies to questions with accurate info! A+++

    ...

  • author
    Christin Smith
    Apr 12, 2022
    Loan Advisor Review

    My loan advisor has been prompt and very helpful. He makes sure that I understand what's happening by thoroughly answering my questions.

    ...

  • author
    Tyler
    Apr 12, 2022
    Extremely impressed with ELFI thus far

    Extremely impressed with ELFI thus far. I had a unique situation just moving into a new house that led to a few complications and Stan Mitchell was exceptionally helpful to me, being quick to respond and getting my application moving along to get my loan refinanced. Keep up the good work!

    ...

  • author
    Michelle Smiley
    Apr 11, 2022
    This was by far the easiest process…

    This was by far the easiest process that I have completed for a loan of any sort. Once I submitted my online application, I was contacted by Stan Mitchell, who helped me along by making sure I uploaded all of the appropriate documents and told me what to expect as next steps. I got an excellent rate and will be able to pay off loans that I have had for a while. If you are trying to refinance your student loans at a really great rate and want to get a plan together to do it... try elfi... glad i did. Thanks Stan!

    ...

  • author
    Keeley Knobloch
    Apr 10, 2022
    Didier was very communicative and quick…

    Didier was very communicative and quick with responses to my individual questions.

    ...

  • author
    Breanna Bell
    Apr 10, 2022
    The company to go with

    My advisor's name was Stan Mitchell. He is incredibly patient and helpful in the process of filing an application. He provided many documents and explanations when needed and was patient yet not overbearing with emails. This company was the last in the line of many companies I had sought for help and they were most defiantly the best.

    ...

  • author
    Lexi Batiste
    Apr 08, 2022
    I received professional and helpful…

    I received professional and helpful service. Every question I had was answered in a timely manner. Stan Mitchell was very easy to talk to and made sure I knew everything that was presented. He made the process extremely smooth and easy and I am very thankful.

    ...

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