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Education Loan Finance Review

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Reviews 1,587

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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
    2.58% 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 2.58%. 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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See what some costumers are saying about Education Loan Finance
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  • author
    Jon DeSantis
    15 hours ago
    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
    2 days ago
    Quick and easy refinance of student…

    Quick and easy refinance of student loans. Great communications

    ...

  • author
    Payton
    3 days ago
    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!

    ...

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

    Had an excellent service, thank you !

    ...

  • 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!!

    ...

  • 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.

    ...

  • 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.

    ...

  • 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.

    ...

  • author
    Jacob Forster
    Jul 08, 2021
    Great service

    Great service. Responded quickly to all communications.

    ...

  • author
    Brock Best
    Jul 08, 2021
    Excellent

    Excellent, straightforward process.

    ...

  • 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.

    ...

  • 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 !!

    ...

  • 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.

    ...

  • 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!

    ...

  • author
    Zachary
    Jun 29, 2021
    Scott responds in like 5 minutes

    Scott responds in like 5 minutes. Most helpful and reliable customer service I’ve ever had.

    ...

  • author
    It
    Jun 26, 2021
    Great!

    Very friendly, courteous, professional answered all questions accurately and timely

    ...

  • author
    ERIC L
    Jun 26, 2021
    Better rate and easy process.

    Better rate and easy process.

    ...

  • author
    Kevin O'Hayer
    Jun 25, 2021
    Very smooth

    Very smooth, helpful

    ...

  • author
    Richard Flannery
    Jun 25, 2021
    Great service, quick turnaround

    The process was quick and easy. Stan was very responsive and let me know what was still needed. Total processing time was 2-3 days. They had the best rate for the term that I wanted so it was a no-brainer.

    ...

  • author
    BKM
    Jun 24, 2021
    The process was very simple

    The process was very simple. Responsw time is excellent. The rates are very competitive. Online resources are straightforward and easy to use. The interface is simple. I am new, but I can only say positive things based on my experience so far. With that said, I would recommend!

    ...

  • author
    Samir Patel
    Jun 24, 2021
    Thank you Andrea!

    Andrea was very helpful and responsive during my experience with Elfi. I appreciate all of her support!

    ...

  • author
    Amar Khalsa
    Jun 24, 2021
    Amazing Interest rate, Excellent Communication

    Amazing Interest rate and the communication was excellent.

    ...

  • author
    Ramon
    Jun 24, 2021
    Great Rates and Standout Customer Service!

    Made what can be a stressful process into one that is clear to understand and free of stress. My assigned loan officer, Didier, was fantastic and superbly attentive as were all and any of the ELFI team members that I spoke to along the way. Not only did the student loan refinance rates best any other I encountered but the customer service was above and beyond. I highly recommend anyone refinancing their student loans to consider ELFI.

    ...

  • author
    Nicole Magnacavello
    Jun 24, 2021
    This is the second time I've worked…

    This is the second time I've worked with Candace and ELFI and each time it's so smooth! Appreciate the quick answers and approval.

    ...

  • author
    Sherri K
    Jun 21, 2021
    ELFI Student loan refinance - very smooth process

    Refinancing student loans with Education Loan Finance was very quick and the process went very smoothly. I worked with Andrea Halverson and she was very helpful and responded quickly to all my questions.

    ...

  • author
    Samantha Nartker
    Jun 18, 2021
    My loan officer was EXTREMELY prompt…

    My loan officer was EXTREMELY prompt and quick to respond which helped me to get my loan application done quickly. I am very grateful for all the help.

    ...

  • author
    Megan
    Jun 17, 2021
    Great service!

    My loan advisor was super helpful and quick to respond! My loan got approved very quickly.

    ...

  • author
    Andrew R
    Jun 17, 2021
    Streamlined processes

    Very easy refinancing experience with helpful representatives who assist the process along.

    ...

  • author
    Martin Banel
    Jun 16, 2021
    Josh keeps things going

    Josh keeps things going! No lag time in letting us know what docs are required for every step of the process. It was a pleasure dealing with someone this organized and efficient.

    ...

  • author
    customer
    Jun 12, 2021
    Very easy, great communication

    Very easy qualifying/application process. Clear explanation of terms. Notices came quickly when documents were needed. Also, it’s amazing to know that this loan will finally one day be paid off.

    ...

  • author
    GARY DUNHAM
    Jun 12, 2021
    Dylan Sparks

    Dylan helped us with the application and did a great job.

    ...

  • author
    Ben Crabtree
    Jun 10, 2021
    Easy process, great rates - thank you, Candace!

    The refinance process with ELFI was very simple and easy. Candace was a great loan advisor and provided relevant updates consistently throughout the process. I was able to get a better interest rate and a lower monthly payment on my student loan. I would definitely recommend ELFI!

    ...

  • author
    Matt
    Jun 09, 2021
    Great process, great people

    Would absolutely recommend refinancing with ELFI. Great rates and an even better customer service team as you are assigned a personal loan advisor. Stan M made the application process so seamless for me, it couldn’t have been easier. Thanks for everything!

    ...

  • author
    Taylor Segler
    Jun 09, 2021
    Stan was great

    Stan was great! Everything was accomplished very quickly and he made the whole process very easy!

    ...

  • author
    Jeremy Hunter
    Jun 09, 2021
    Dylan was great through the whole process!

    Dylan was great through the whole process. Entire process was about a week. Saved me 2 percentage points. I will be recommending to whomever i know who are looking to refinance. Thank you Elfi team!

    ...

  • author
    Amy Gilman
    Jun 09, 2021
    Easy process

    Easy process, great communication by Candace. Simply a breeze! Thank you!

    ...

  • author
    Kasey Babbitt
    Jun 05, 2021
    Opinion

    It would have been nice to speak with her. Everything was done through email. I did have a couple issues with the password. I just think with cell phones and internet it too easy to not have phone conversation. Over all she helped and answered our questions and got the job done.

    ...

  • author
    Connor
    Jun 04, 2021
    Quick Process

    The process moved very quickly and was easy. The staff was helpful all along the way

    ...

  • author
    John Rozance
    Jun 03, 2021
    Answered all of my questions quickly

    Answered all of my questions quickly. Process was easy.

    ...

  • author
    Nate
    Jun 03, 2021
    Excellent service and timely responses

    Excellent service and timely responses. Entire process took less than 5 days!

    ...

  • author
    Travis
    Jun 02, 2021
    Andrea provided a great experience for student loan refinance

    Andrea provided a great experience for my wife and I to refinance our student loans. We were able to get a very low rate, and with very little pain closed on the loan terms. Thanks again Andrea!

    ...

  • author
    Brian Hayes
    May 29, 2021
    Excellent service thanks!!

    Excellent service thanks!!

    ...

  • author
    Evie
    May 28, 2021
    Didier Leclaire was amazingly helpful…

    Didier Leclaire was amazingly helpful in walking me through the application process, ensuring a smooth processing experience! I'm thrilled withe the rate provided by ELFI - it's >3% lower than what I was paying previously and will save me 10's of thousands of dollars in interest. I highly recommend Didier and ELFI for refinancing student loans!

    ...

  • author
    Seth Willis
    May 28, 2021
    scott was great

    scott was great, very punctual and helped me get my loan closed quickly

    ...

  • author
    Carmen Szeto
    May 28, 2021
    Excellent Customer Service

    Candance was very responsive and the process was very smooth. I appreciated the single point of contact and that there is a person to call if you have any questions.

    ...

  • author
    Jacqueline Oleaga
    May 27, 2021
    Great experience and really low rate!

    Great experience and really low rate!

    ...

  • author
    Adam
    May 26, 2021
    I had the best experience with my Loan…

    I had the best experience with my Loan Advisor and with ELFI. My Advisor walked me through every step of the process and always made sure I knew exactly what to expect. I’ve refinanced loans a few times and this was by far the easiest and most efficient process I’ve encountered. Thank you very much for the great experience!

    ...

  • author
    Ricardo Avina
    May 26, 2021
    ELFi has been the fastest refi company…

    ELFi has been the fastest refi company I’ve used to date. The online process was so quick and convenient. Joshua Mitchell emailed me right away when I missed a couple of documents to complete my application. Once I submitted everything the underwriting took less than 24 hours to complete. I signed everything electronically and they have even emailed me when the disbursement to my previous loan provider will take place. Any questions I had Joshua was quick at responding to me and answered all my questions. I’ll certainly be recommending ELFi to all my colleagues and friends.

    ...

  • author
    Samuel O'Neil
    May 25, 2021
    Great job

    Great customer service and response time.

    ...

  • author
    Ryan Mccusker
    May 25, 2021
    Timely

    Timely. Responsive

    ...

  • author
    Thomas Wehrle
    May 25, 2021
    My agent was very helpful and on top of…

    My agent was very helpful and on top of anything we needed help with.

    ...

  • author
    Spencer Rodriguez
    May 24, 2021
    So helpful

    So helpful! Very prompt in responding to my questions.

    ...

  • author
    Haley S
    May 21, 2021
    Candace Scanlin was AMAZING

    Candace Scanlin was AMAZING. She corresponded back and forth with me so quickly and I didn't have to wait a few business days for a response. It really helped me out because it felt like she was just as motivated as me to get my application completed.

    ...

  • author
    Tayla Dominguez Richards
    May 21, 2021
    He was informative but on occasion…

    He was informative but on occasion didn’t give me all the information I needed and didn’t listen to the information I provided him multiple times.

    ...

  • author
    Kate Crawford
    May 21, 2021
    Very helpful

    Very helpful

    ...

  • author
    Damilola Orikogbo
    May 21, 2021
    Colene Was amazing

    Colene Was amazing She took her time to answer all of my questions and concerns and she made me feel at ease with the whole application process. Thank you so much for you time, patiance and effort. It means the world when dealing with situations such as these!

    ...

  • author
    Marissa Eyon
    May 21, 2021
    Working with Scott was extremely quick…

    Working with Scott was extremely quick and easy! Thank you!

    ...

  • author
    Anna V.
    May 21, 2021
    Great Customer Support

    Candace was very responsive and made the application process as quick and painless as possible! She answered all my questions quickly and diligently. My application was processed within a week. Anna

    ...

  • author
    Allen Clark
    May 20, 2021
    Very quick and responsive to emails and…

    Very quick and responsive to emails and gave great guidance on items needed and how to do it.

    ...

  • author
    Joshua Dusci
    May 19, 2021
    Candace was exceptional!

    Candace was exceptional!

    ...

  • author
    Kevin Brazitis
    May 19, 2021
    Scott was very helpful getting my loan…

    Scott was very helpful getting my loan set up. He clarified all of the needed documentation and was incredibly responsive. Top notch service!

    ...

  • author
    V Bogue
    May 19, 2021
    Candace was absolutely wonderful!!

    Candace was absolutely wonderful!!! She was very prompt in responding to questions and follow-up!!

    ...

  • author
    Scott W
    May 19, 2021
    Student Refinancing loan

    I was very pleased with the seamless application (refinancing) process that I went through online and how it was executed (and approved very quickly). I was able to get speedy resolution to any access issues and/or questions to the projected re-financing rate as well. Overall, I highly recommend Education Loan Finance to any prospective customers who want to refinance a student loan.

    ...

  • author
    Jade Adkins
    May 19, 2021
    Candace explains things very well

    Candace was an excellent Personal Loan Advisor. She was attentive and would respond to my emails right away. Candace’s emails are easy to understand and she explains things well. I appreciate her time and support.

    ...

  • author
    Steven Burger
    May 19, 2021
    Loan Refinance Made Easy

    Straight forward process, proactive customer support and a quick approval made dealing with ELFI seamless.

    ...

  • author
    Matt C
    May 18, 2021
    Would recommend

    Refinanced two loans with ELFI. The online portal was easy to use and Candace provided great service when we had questions.

    ...

  • author
    Josefina Duran
    May 17, 2021
    Great experience, highly recommend!

    This was a great experience and Stan was extremely helpful! Stan communicated efficiently and answered all my questions along the way. I am glad I went with ELFI.

    ...

  • author
    Alexander Johnson
    May 14, 2021
    Stan was great

    Stan was great, very helpful

    ...

  • author
    Michael
    May 13, 2021
    I couldn't have asked for an easier and…

    I couldn't have asked for an easier and more thoroughly explained experience!

    ...

  • author
    JG
    May 13, 2021
    They were very clear and helpful and…

    They were very clear and helpful and guided me through the whole process! Made it very easy for me

    ...

  • author
    Elias Panagiotakis
    May 13, 2021
    Scott was very helpful and responded…

    Scott was very helpful and responded quickly to my concerns. He stayed in touch to keep me updated and I really appreciated it.

    ...

  • author
    Matt Powell
    May 12, 2021
    Thumbs Up

    We exchanged a few emails regarding my bonus and W-2s (they were password protected). Didier was pleasant and helpful.

    ...

  • author
    Byron Mcbride
    May 12, 2021
    Great company

    Great company. Loan was finished in as little as 3 days! Scott was top of everything with quick replies and updates.

    ...

  • author
    Candee Ober
    May 11, 2021
    Very smooth and efficient process

    Andrea was very helpful and included very detailed emails. Made the whole process a lot smoother.

    ...

  • author
    Tim
    May 11, 2021
    Very seamless process

    I had absolutely no issues! The whole process was seamless. If there were any questions, I received feedback immediately.

    ...

  • author
    Richard K
    May 11, 2021
    Helpful

    Quick response. Helpful. Thank you!

    ...

  • author
    Kevin
    May 10, 2021
    Easy Process. Great Experience

    Candace was very helpful throughout the entire process. Quick to answer emails, always available, and made the process hassle free. Could not ask for anything more.

    ...

  • author
    Joseph
    May 10, 2021
    Fast and easy application experience

    Colene was vey nice and quick to respond. She helped answer all questions I had as aj evaluated the loan offer.

    ...

  • author
    Karla Ramirez
    May 08, 2021
    máquina de una máquina glacon súper

    máquina de una máquina glacon súper

    ...

  • author
    Chris
    May 07, 2021
    Colene was great and efficient

    Colene was great and efficient. Very easy process overall.

    ...

  • author
    Chris H.
    May 07, 2021
    Candace did a great job walking me…

    Candace did a great job walking me through the process. There were several issues along the way that varied from being locked out of my account (and getting no where after calling customer service), to issues with using mobile devices to upload documents, to issues with the website itself being down. Candace was helpful, quick to respond, and friendly despite me asking mundane or repetitive questions. Having somebody I could reach out to directly and get a quick answer from made all the difference in making this a less arduous process. In the end, it was a great execution and an excellent rate!

    ...

  • author
    Marc V V
    May 06, 2021
    Very prompt service and a good rate.

    Very prompt service and a good rate.

    ...

  • author
    Shelby Philip
    May 05, 2021
    Easy and seamless process.

    Easy and seamless process.

    ...

  • author
    Kristina Blehm
    Apr 30, 2021
    My experience with ELFI was excellent!

    My experience with ELFI was excellent! I reached out to find a better rate for my student loans and worked with Stan Mitchell. He was so responsive and helpful and walked me through everything that needed to happen to get my loan refinanced. I'm so grateful for the time and energy that ELFI & Stan gave me... it made the whole process much less stressful than usual.

    ...

  • author
    M Hobbs
    Apr 29, 2021
    Quick and thorough

    Quick and thorough

    ...

  • author
    jcware46
    Apr 28, 2021
    Easy Process

    Easy straight forward process. Lowered my monthly payment by $230 a month.

    ...

  • author
    Christopher Duff
    Apr 28, 2021
    Stan was super helpful

    Stan was super helpful

    ...

  • author
    Meryl Buckalew
    Apr 27, 2021
    Scott was very helpful and even…

    Scott was very helpful and even encouraging! Great communicator and very easy to work with.

    ...

  • author
    Christie
    Apr 26, 2021
    Twice as nice!

    This is my second time refinancing my student loans through ELFI with Candace. The experience was seamless both times! Candace is very prompt and personable and gives the right level of detail to guide you through the process. Thanks for your help Candace!

    ...

  • author
    Neil Oishi
    Apr 25, 2021
    Excellent Customer Service

    Andrea was very helpful in the application process. She was very responsive to emails, which made the application process quick and easy. Her excellent customer service made me confident in proceeding with the application with ELFI.

    ...

  • author
    Louis Hoff
    Apr 23, 2021
    WOW Candace was great

    WOW Candace was great, walked me through the entire application process. I am so busy with my first job out of college, yet candace assisted me, was patient, emailed and texted me through, until i was finished. The rate i got was great, I am totally satisfied and so happy its all done. Thanks Alex

    ...

  • author
    Jill Laureano-Surber
    Apr 22, 2021
    She was very helpful and communicated…

    She was very helpful and communicated with me whenever needed. The loan process was super easy.

    ...

  • author
    James Hawley
    Apr 22, 2021
    Made it easy

    We were informed all the way through the process what was needed. We were kept up to date on the process. All of this information made it easy and stress free.

    ...

  • author
    Crystal Rau
    Apr 22, 2021
    Very helpful and easy process!

    Andrea was very helpful and walked me through the process step by step.

    ...

  • author
    Jaclyn Friedley
    Apr 21, 2021
    Very helpful

    Very helpful

    ...

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