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Education Loan Finance Review

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Reviews 1,838

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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
    1.86% APR (variable)* and
    2.73% 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 2.73%. 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
Education Loan Finance
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  • author
    Noah
    4 days ago
    Dylan was Great!

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

    ...

  • author
    Shir Erlich
    4 days ago
    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.

    ...

  • 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.

    ...

  • 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.

    ...

  • 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.

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  • author
    Rebecca
    Apr 28, 2022
    Excellent Customer Service

    Fast, friendly, and professional.

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  • 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!

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  • 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!

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

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

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  • 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.

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  • 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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  • author
    Nope
    Apr 08, 2022
    Stan did a good job and answered my…

    Stan did a good job and answered my questions in a timely manner.

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  • author
    Alexa Rabune
    Apr 07, 2022
    Best experience!

    My student loan advisor, Stan Mitchell, was beyond helpful in taking me through the process of consolidating my student loans. As a recent college graduate, I wasn’t sure how to begin refinancing. Stan always responded in a timely manner to any questions I may have had, reminding me of deadlines and truthfully having my best intentions! He made this process very smooth for someone like myself who is not as familiar. Can’t thank him enough!

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  • author
    Devon Nunez
    Apr 06, 2022
    Choose ELFI! Its fast and easy

    I have tried refinancing my student loans since last year in July with Citizens Bank and I finally quit and chose ELFI. The process took no more than 2-3 weeks and my loan supervisor was very clear on what I needed to do to get my loan approved.

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  • author
    Steven Kahl
    Apr 05, 2022
    Excellent prompt helpful service and…

    Excellent prompt helpful service and Stan (Mitchell) was very helpful answering my questions and keeping me up to speed. I'd recommend them. I'm actually going to have my loans finally paid off!

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  • author
    Craig
    Apr 05, 2022
    It was nice to have the same point of…

    It was nice to have the same point of contact throughout the process to answer my questions.

    ...

  • author
    Allison Harker
    Apr 05, 2022
    Joshua Mitchell was extremely helpful…

    Joshua Mitchell was extremely helpful with our questions and walking us through the process. Highly recommend working with him if you can! ELFI was a straightforward and quick process once you get your documents uploaded.

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  • author
    Ali A
    Apr 05, 2022
    Great Service

    I have had a great experience thus far with Elfi. Stan Mitchell was very accessible and responsive. The company overall has very friendly staff and it made the experience very easy. I have just signed my documents, so I cannot speak to the process past this point, but if my experience thus far is any indication, I expect it to be a smooth process.

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  • author
    Connor
    Apr 05, 2022
    I had the pleasure of working with Stan Mitchell…

    I had the pleasure of working with Stan Mitchell (of elfi). With over 600k in student loan debt, I had tried refinancing with multiple other lenders. All of whom only used computers and algorithms to work me through their process and then eventually denied me. On the contrary, Stan Mitchell was there day and night...literally Monday-Saturday, to help me through the process, listen to my unique circumstance, shake bushes on his end, and keep my American Dream going. Thanks to Mr. Mitchell, his outstanding service and the great rate I was able to obtain... I am finally able to breath (and start my life) knowing I now have realistic plan for my student loan debt and future. Thanks Stan! -C

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  • author
    Nick Colville
    Apr 04, 2022
    Refinancing Student Loans

    I recently chose to refinance student loans with ELFI. They had really great rates and were rated highly for customer service. I also was impressed they had loan advisors that would help with the process. I worked with Stan Mitchell. He was a great help throughout the process. He truly helped me during the process and was able to answer all of my questions. I would recommend ELFI and Stan to anyone looking to refinance student loans.

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  • author
    Robert
    Apr 02, 2022
    I found Dylan and the entire process to…

    I found Dylan and the entire process to be very professional and friendly.

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  • author
    Brian
    Apr 01, 2022
    ELFI / Stan Mitchell

    I recently chose to refinance with ELFI based on the rates I saw they were offering. My loan advisor Stan Mitchell was an asset during this process. He responded promptly and thoroughly to all of my questions and expedited the process. I would work with Stan and ELFI in the future should the need arise.

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  • author
    Martha M.
    Apr 01, 2022
    Fantastic!

    I could not be more pleased with my ELFI experience! Not only did they offer the best rates all around, but the customer service was outstanding. I had Dylan Sparks help me with my refinance and his communication skills and professionalism were superb! I appreciated the updates and quick responses to my questions. I highly recommend working with ELFI and Dylan!

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  • author
    Emily Maulucci
    Apr 01, 2022
    Emily M.

    Stan was incredibly helpful throughout the process of refinancing my student loans, making sure all documentation was submitted in a timely manner. He was very personable and easy-to-reach via email.

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  • author
    TIM FIELDS
    Mar 30, 2022
    Responded very quick and was very…

    Responded very quick and was very professional and courteous

    ...

  • author
    Marni
    Mar 30, 2022
    Helpful in every way!

    Helpful in every way!

    ...

  • author
    Corey Hulbert
    Mar 29, 2022
    Very easy to work with

    Very easy to work with

    ...

  • author
    Kristin Turner
    Mar 29, 2022
    Stan was able to help me with all…

    Stan was able to help me with all documentation I needed to submit with timely responses to my questions. Everything was quick and easy. Would recommend anyone who needs to refinance or consolidate to use ELFI.

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  • author
    Sean Cutrell
    Mar 27, 2022
    Fantastic service

    We had help every step of the way and the entire process was so much easier than we expected. Quick, easy, and lower rates than any other provider.

    ...

  • author
    Bailie Goodrich
    Mar 25, 2022
    Dylan was awesome

    Dylan was awesome, although the process was cumbersome at times.

    ...

  • author
    Mike
    Mar 25, 2022
    Patient and Profesisonal

    Colene was extremely patient with me while keeping me up to date with achievable deadlines for delivery of information. Well done!

    ...

  • author
    Brandon Shetler
    Mar 25, 2022
    Super easy

    Super easy. Took so little effort.

    ...

  • author
    Phillip
    Mar 24, 2022
    Very easy to work with.

    Very easy to work with.

    ...

  • author
    Madeline
    Mar 24, 2022
    Great service, Low Interest

    Stan was great and I got my lowest interest rate ...by over 1%...through ELFI

    ...

  • author
    Charles Adams
    Mar 24, 2022
    Stan Mitchell

    I worked with Stan Mitchell. He was amazing. Walked me through the entire process step-by-step. He could not have made it easier. Such a true professional. I give ELFI and Stan Mitchell the highest of possible marks for how they help my family through this process.

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  • author
    Justin Y.
    Mar 23, 2022
    Quick and painless

    Process was fairly simple, the service was prompt, and never needed to speak over the phone to get everything approved.

    ...

  • author
    James Martens
    Mar 22, 2022
    Best rate I found

    Best rate I found. The application process was easy. Colene was very responsive to my questions.

    ...

  • author
    Stephanie Stark
    Mar 22, 2022
    10/10 she’s the best

    Colene is very pleasant, professional, and prompt. She will answer any and all questions timely, and make sure you have the information you need. I had a lovely experience with her

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  • author
    William Gardella
    Mar 22, 2022
    Didier did an excellent job with a…

    Didier did an excellent job with a tough job, requesting docs that are not always easy for clients to scare up. Its never "easy' , but Didier and ELFi made process about as easy as it can be.

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  • author
    Wayne
    Mar 17, 2022
    Very professional handling of my refi

    My experience refinancing my old student loans was very good. Stan Mitchell kept me up to date on what was happening with my application. He was very clear in describing the documentation needed from me. I highly recommend the company and the rep who assisted me.

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  • author
    Young-min
    Mar 15, 2022
    I have nothing to complain

    I have nothing to complain. ELFI was fast, easy, convenient. I got great terms and better rate than the federal loan.

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  • author
    Olu
    Mar 14, 2022
    Refi in 1 week.

    It took less than 7 days for ELFI to review and complete my refinance. I dropped my interest rate below my quoted rate on final underwriting. This refi will save me more than 50,000 in interest! Stan Mitchel was excellent and easy to communicate with. He let me know if anything was pending and we conducted the entire process via email and the Elfi website.

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  • author
    Adam
    Mar 14, 2022
    Straight forward and good…

    Straight forward and good communication. Easy system to navigate.

    ...

  • author
    Okello Morris
    Mar 13, 2022
    That is good I think I'm will go back…

    That is good I think I'm will go back and finished study thanks

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  • author
    David Worthington
    Mar 11, 2022
    Quick and Professional

    Very helpful and got my refinance done quickly and correctly.

    ...

  • author
    Amy
    Mar 11, 2022
    Great!

    Simple, straightforward process, and they found me the lowest rates out there! Stan was very helpful and reached out personally with additional requests and helped keep the whole process moving. He communicated clearly and kept me informed of the loan's progress and what to expect of the next steps. Overall great loan experience!

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  • author
    Denise McDaniel
    Mar 10, 2022
    This was the smoothest process for refinancing a student loan.

    This was the smoothest process for something that could be very stressful. I needed to call customer service in the beginning regarding the process and a gentleman named Dallas was so pleasant and patient with all my questions. Once i submitted the application Stan took over and again very responsive, was very clear what he needed and always checked back to see if I had any questions. Very professional operation

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  • author
    Trajan Caines
    Mar 09, 2022
    Colene Helveston was great

    Colene Helveston was great! Kind and professional and helped me get my refinance loan quickly.

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  • author
    Sam C
    Mar 06, 2022
    This has been a phenomenal refinancing…

    This has been a phenomenal refinancing experience! The help we received throughout the entire process was great and made the process easy. We will definitely recommend ELFI to anyone in need of refinancing their student loans!

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  • author
    Zach
    Mar 03, 2022
    Andrea was very helpful and never left…

    Andrea was very helpful and never left us feeling confused. Made it a very easy and pleasant experience.

    ...

  • author
    Jankary Morales
    Mar 03, 2022
    Great experience

    Amazing experience! Everything was very detailed and self explanatory!

    ...

  • author
    Tara Schmidlen
    Mar 03, 2022
    So far going well.

    So far going well.

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  • author
    Jaime Diquattro
    Mar 02, 2022
    Andrea was extremely helpful and…

    Andrea was extremely helpful and assisted tremendously in the process! She was a huge help in walking me through each step and answering any questions that popped up. Thanks a ton Andrea!

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  • author
    Zu Wozniak
    Mar 02, 2022
    It was an easy and seamless experience.

    It was an easy and seamless experience.

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  • author
    Julie
    Feb 25, 2022
    Worked out well for me- my payments…

    Worked out well for me- my payments have dropped over $600/mo and the process was simple and straightforward. Everyone that I worked with at ELFI were very nice and helpful. I have recommended it to my friends.

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  • author
    Kelsey Laroche
    Feb 24, 2022
    Great service

    Great service

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  • author
    Elizabeth Hohlbein
    Feb 22, 2022
    Satisfied

    Andrea was patient with us and very thorough!

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  • author
    Michele Manion
    Feb 22, 2022
    Extremely helpful and quick to respond!

    Extremely helpful and quick to respond!

    ...

  • author
    Joe G
    Feb 19, 2022
    smooth and easy process with good communication

    our rep Stan Mitchell was easy to work with. he communicated clearly what we need to provide along the way and kept us informed throughout the process. He was good at explaining anything that we did not understand

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  • author
    David Tamasy
    Feb 18, 2022
    Stan was very responsive and helpful!

    Stan was very responsive and helpful!

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  • author
    Graeme
    Feb 17, 2022
    Very easy process, and Andrea was great

    It was easy to follow the directions on the website and Andrea was helpful with her emails. She was very quick to respond when I had questions. Very easy process

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  • author
    Joe K
    Feb 17, 2022
    Responsive

    Responsive and easy to communicate with - also, not annoying, which is a plus.

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  • author
    J Elliott
    Feb 17, 2022
    Service went extremely well and ELFI…

    Service went extremely well and ELFI was super helpful and accommodating. For years , I’ve been scared to refinance. And I am so glad that I did. Approved for an amazing rate and the process was easy.

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  • author
    Sharron
    Feb 15, 2022
    Fast, easy, efficient and super nice!

    The process for refinancing my existing student loan debt was incredibly easy. Stan was SUPER fast to respond when I had questions about additional documents that were needed. My loan was processed and approved within a week with an amazing rate. Thank you for making this such an easy, painless process and for helping me save a ton of money.

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  • author
    Craig
    Feb 15, 2022
    Easy

    Easy, quick and approved! Andrea helped me through the whole process without any added strain or stress. Thank you.

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  • author
    Ben Kling
    Feb 15, 2022
    Stan M was great

    Stan M was great, super helpful and friendly, super prompt

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  • author
    James
    Feb 11, 2022
    Colene did a wonderful job helping me…

    Colene did a wonderful job helping me through the loan application process.

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  • author
    Kiely Curran
    Feb 11, 2022
    This process went very smoothly!

    This process went very smoothly!

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  • author
    Barb
    Feb 11, 2022
    Great Experience!!!

    A very seamless, easy process. Stan, our representative was exceptional. He communicated clearly and guided us throughout the entire process. Would recommend highly to anyone!!

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  • author
    Patrick Flynn
    Feb 10, 2022
    You rock!!!!!

    You rock!!!!!

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  • author
    Kennedy
    Feb 10, 2022
    5 Stars All Around

    Had been meaning to refinance my loans for a while. Now that I have it is such a relief! ELFI made it so easy and gave me a great rate. Didier was knowledgable and helpful, always replying quickly. A great guide through the process of refinancing my loans!

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  • author
    Jessica Siu
    Feb 09, 2022
    Great

    My adviser Stan was great!! He was responsive, to the point and made the refinancing process so easy. Highly recommend!

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  • author
    David
    Feb 08, 2022
    Great experience with ELFI

    I had a great experience with Education Loan Finance, in particular thanks to Colene Helveston's efforts to keep me informed throughout the process. I got a great rate and found the application process smooth and easy to complete.

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  • author
    Mark
    Feb 08, 2022
    Excellent Service

    ELFI had excellent service. Our representative, Didier, was always responsive and always helpful - absolutely improved my student loan refinance experience. 10/10.

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  • author
    Kenneth Avallon
    Feb 05, 2022
    He was great

    He was great! Super helpful and accomodating when I had to provide extra documentation. Thanks Scott!

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  • author
    Jee Kim
    Feb 05, 2022
    Excellent

    Excellent. Prompt. Precise.

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  • author
    customer
    Feb 04, 2022
    Quick and easy reconsolidation at low interest

    Stan at ELFI has been very helpful through the whole process. He made it very quick and easy for me to reconsolidate my loans.

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  • author
    Josh Waterhouse
    Feb 03, 2022
    Very helpful and communicative.

    Very helpful and communicative.

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  • author
    Julia Zenker
    Feb 03, 2022
    Helpful Loan Agent

    Loan agent was helpful and process was relatively painless.

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  • author
    Evan S
    Feb 03, 2022
    Refinancing

    Andrea H helped me with my refinance and it was the best experience I’ve had. She had great communication and was patient in explaining everything that was missing on my profile. She responded very fast and with great accuracy on what I needed. I couldn’t not have had a better experience!

    ...

  • author
    Brandon Locke
    Feb 03, 2022
    Great

    Easy, fast service. Quick and helpful responses from customer service personnel.

    ...

  • author
    Dere B.
    Feb 02, 2022
    Very helpful

    Very helpful. Made the whole process seamless. Thanks

    ...

  • author
    TR
    Feb 02, 2022
    I had a great experience with ElFi…

    I had a great experience with ElFi refinancing a student loan. The process was relatively seamless. I did think there was some back and forth within the due diligence process that is not leading me to give a 5 star review, but overall it was great and would gladly recommend in the future.

    ...

  • author
    Emily Clark
    Feb 02, 2022
    Colene was a pleasure to work with

    Colene was a pleasure to work with! She was very attentive and responsive.

    ...

  • author
    Bdhunt
    Feb 02, 2022
    Quick and timely response

    Quick and timely response! Got approved for a loan in just a few days! Thanks, Stan.

    ...

  • author
    Justin Wallace
    Feb 01, 2022
    Didier Leclaire was extremely helpful…

    Didier Leclaire was extremely helpful when it came to refinancing my student loans. Hold times were very low, and he had answers to all of my questions. Quick turnaround.

    ...

  • author
    Bryan Postelnek
    Jan 28, 2022
    Great

    Great! Got an amazing rate and got a lot of help from Andrea.

    ...

  • author
    Peter M
    Jan 28, 2022
    Very helpful and responsive!

    Very helpful and responsive!

    ...

  • author
    Anthony Huang
    Jan 27, 2022
    Quick and Painless

    The whole process of refinancing my student loan from another private lender was quick and painless using the online tools. Of course, already having a good credit score helps, so your mileage may vary.

    ...

  • author
    Kimberly Gonzalez
    Jan 26, 2022
    Amazing customer service and quick approval!

    Joshua Mitchell helped me every step of the way and made the process super easy. He was professional and prompt. I was approved quickly for refinance and the interest rates were much lower than other places. Excellent customer service! Thanks Joshua :)

    ...

  • author
    Zach
    Jan 24, 2022
    Refinancing through Education Loan…

    Refinancing through Education Loan Finance was a very simple and fast process. Stan Mitchell was responsive and direct in requesting the necessary documents to expedite the approval process. Thanks Stan!

    ...

  • author
    customer
    Jan 20, 2022
    Timely and informative

    Timely and informative! Thank you for your help Dylan!

    ...

  • author
    Tonya Brown
    Jan 20, 2022
    Stan Mitchell was excellent to work…

    Stan Mitchell was excellent to work with and extremely responsive! The process went smoothly.

    ...

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