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Education Loan Finance Review
Reviews 2,071
Education Loan Finance
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Education Loan Finance
Education Loan Finance
Excellent
Reviews 2,071
Sarah Pritzker
Jan. 02, 2023
3 min read
Sarah Pritzker
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 at a glance

0.0
Editorial score

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:

  • APR rates from:
    5.03% APR (variable)* 
    5.08% 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 5.08% . 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 by
Sarah 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.‎
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Education Loan Finance
Excellent
Reviews 2,071
on
Excellent
93%
Great
5%
Average
1%
Bad
1%
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zach
2 days ago
Very easy and simple process
Very easy and simple process The loan agent guided me and answered my questions quickly. Made trying to get a loan with as minimal stress as possible.
K
kdw
3 days ago
ELFI - Student Loan Refinancing
The process to refinance my son's student loans through ELFI was quick, painless and went smoothly. I would definitely recommend this company to anyone who needs to refinance their loans.
A
andrew lynett
4 days ago
Wonderful Experience
Everything was simple, direct, and easy to navigate!
A
adri w
10 days ago
I am newly refinancing with Elfi and…
I am newly refinancing with Elfi and the whole process of submissions , approval, and next steps was so smooth ! I appreciate all of Stan’s help with that as well as his availability to go all the way through in Elfis taking over my Sallie Mae / Discover loans ! He was always there to answer questions and kept me in the loop at all times . Would definitely recommended Elfi to others and will personally submit to refinance with the company again in a few more months when my own financial situation improves further .
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caleb warner
19 days ago
ELFI was a great experience
ELFI was a great experience. They were very quick to respond and made the process painless.
D
davis ladd
22 days ago
Helpful and informative customer service
Helpful and informative customer service
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lennon sulzbach
a month ago
Super easy process
Super easy process. Stan M. provided clear and concise information in a very timely fashion. 10/10 would refinance again.
S
sara
a month ago
Stan is the best!
Stan was not just helpful throughout the process but also so patient in handling all my questions. Through his attentiveness, a somewhat daunting process was easy to navigate and understand next steps. Excellent service start to finish!
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tyler garzinski
a month ago
Thank you!!
Very thankful to ELFI for their help in getting my loan refinanced! Didier was easy and great to work with!
J
jenny warr
a month ago
Fast turn around
Fast turn around Good communication
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happy customer
a month ago
The application process was very user…
The application process was very user friendly. The Loan officer was professional, knowledgeable, and responsive. Underwriting was prompt, but thorough. Very pleasant business experience. Would definitely recommend.
P
paige
a month ago
absolutely so helpful
absolutely so helpful. Colene H. walked us through everything and got us something when we truly felt like we were never going to be able to find something. I would absolutely use this again especially because of people like Colene that go out of their way to find something and walk customers through the process.
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ellie
a month ago
Colene was great!!
Colene was great!!! Quick to respond and answered any questions that we had. She guided us through the whole process. Everything was done so quickly.
J
joshua roberts
a month ago
Very Satisfied
Dylan has been an excellent loan advisor
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..
a month ago
Dylan was very helpful and quick to…
Dylan was very helpful and quick to respond. The experience was overall good. The only issue was that the underwriter kept telling him that my legal document for child support was not adequate, but once Dylan reach out to a manager it all went smoothly through. Thank you, Dylan!
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lauren kemmerer
a month ago
Our situation was unique and required…
Our situation was unique and required extensive research. The manager and team communicated often and did a thorough review which led to a positive outcome. I appreciate these individuals going above and beyond and it instilled our confidence in our decision to choose ELFI. Thank you Ivan and team!
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alma
a month ago
Great experience
The entire process from pre approval to accepting an offer was seamless. My student loan advisor Stan was great along the way. Always communicated quickly with me and made the process wonderful. I wish I would have refinanced my student loan sooner with ELFI.
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travis jaworski
a month ago
Dylan was really helpful
I had some issues securing a promissory note from my loan servicer, which took about a week to secure. Dylan Sparks was very helpful and patient with helping me get my refi figured out and all the forms submitted. He was also very good at communicating with me and made me feel like I had someone to help me with any issues that arose.
A
ashley wingfield
a month ago
Quick and easy process!
Customer service was amazing. Process was fast and easy and my rate was better than other companies quoted me.
K
kathy
a month ago
Student Loan refinancing
The whole experience is amazing. Everyone I talked to was very helpful and responsive.
H
hany fekry
2 months ago
Lovely is best interest rates
Lovely is best interest rates
O
olivia soja
2 months ago
My experience with ELFI was great!!
My experience with ELFI was great! I got the best interest rate, and the process was quick, clear, and very well supported by their staff. Thank you!!
H
hunter neale
2 months ago
They did their do diligence.
They did their do diligence.
K
kelly knappen
2 months ago
My loan person
My loan person, Didier, was rude and condescending.
a
anon
3 months ago
Colene helped but could have been a…
Colene helped but could have been a little more descriptive with the instructions for getting loan information. Overall, she made experience easier than expected and I appreciate her efforts in helping getting my loan refinanced!
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olivia hartsell
3 months ago
Thank u Elfi!!
the entire team moved swiftly and communicated everything I needed! I wouldn’t have been able to apply and finalize within 48 hours without them!
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tim maatouk
3 months ago
Very simple process
Very simple process, quick responses and great rates.
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taylor squire
3 months ago
Quick and Easy
Dylan was great! Always available to answer my questions. Quick turn around time and advisors are good at keeping you up to date with next steps
C
chad nieswender
3 months ago
Dylan was great to work with
Dylan was great to work with. Fast and easy application and approval process! Highly Recommend!
V
victoria
3 months ago
What a pleasurable experience for something not so pleasurable
Everyone I spoke with at ELFI was beyond nice, helpful, timely in response time, patient, and understanding. The employees took their time explaining my options, and wanted to make sure I understood what was going on or about to happen. I did have questions as I continued my process, and the response time and information provided (to answer my questions) was very detailed and extremely helpful. What a pleasurable experience, when doing something not so pleasurable.
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jason pogue
3 months ago
So easy to work with!
Working with ELFI was amazing. The website was clear and easy to use, I submitted my application, within an hour had an email from my loan advisor Stan Mitchell, and within three business days closed on my loan and cut my monthly payment in half. Stan was super helpful and responded quickly to any questions I had along the way. I've worked with a few online lending companies and my experience with ELFI puts all others to shame.
R
ruth b.
3 months ago
Easy application process, thorough communiciation
Easy application process, clear communication from loan specialists. After uploading necessary documents and my employer providing my employment verification (via my employer's HR communicating directly with ELFI loan specialist) it was pretty quick to get a decision. Straight forward process.
Y
yongsik jang
3 months ago
My experience with ELFI is wonderful
My experience withELFI is wonderful. I am so grateful that I have received responses in effective, accurate and a timely manner.
J
jessica jones
3 months ago
Recommend ELFI
The ELFI loan process was fast, simple and extremely beneficial. I can finally get Navient to stop sucking away my entire payment in just the interest. Payoff progress here I come!
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ryan mccotter
3 months ago
Best rates and customer service!
Colene was extremely knowledgeable, responsive and helpful!
N
nathaniel henderson
4 months ago
Easy as Cake
Super easy to work with throughout the entire process!
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odhran m mcgonagall
4 months ago
It was a time-involved loan process
It was a time-involved loan process for a small loan amount. However, keep in mind that this is not a bad thing, necessarily. When rating a borrower's experience to other experiences on the tried and true 5-star scale, the process of getting a loan is never going to be a 5 star experience for me - it is not like having a great meal with great service or sailing to Bora Bora. Still, for what it was, it was satisfactory. Although I understand the need for information to verify income and employment, records are readily available showing excellent credit history of existing loan payments and rate increases, which align with the reasons I gave to refinance at a lower rate. Because I am busy with two jobs and have minimal evening time with family already, I weighed whether to continue on with this application process when more was continually asked of me. At the end, I was satisfied.
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alexandria zimmerman
4 months ago
There was internal issues pulling…
There was internal issues pulling credit. What should’ve been a 1-2 week process turned into almost a month process. ELFI makes it very difficult to refinance student loans. The interest rates are great, but the process is poor
J
jonathan oliveras
4 months ago
You made the process quick and straightforward
You made the process quick and simple, and we are extremely happy with the service and the rates.
E
erika weldon
4 months ago
Prompt responses
Dylan was so prompt in returning my emails, questions, concerns, etc. Within just a few minutes I had his reply with direct, personalized answers to all my questions. This experience was truly easier than I ever expected. I would highly recommend ELFI to anyone looking to refinance their student loans.
A
alexandria airo
4 months ago
Customer service was outstanding during…
Customer service was outstanding during the process! My advisor Colene went through the whole process and application with me and I can guarantee that one of the reasons I qualified was because I had her help making sure everything was perfect. It was a great experience.
K
keanu
4 months ago
Quick Feedback
Quick Feedback, Call center was very professional.
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gina jenkins
4 months ago
Everything went very smoothly and…
Everything went very smoothly and quickly
J
jacob teesdale
4 months ago
Didier was attentive and helpful…
Didier was attentive and helpful through out the process. I appreciated his prompt responses.
R
robert c.
4 months ago
Helpful loan advisor
Cloene was assigned as my loan advisor. She has been very prompt and patient answering my many questions…very helpful.
K
kevin k.
4 months ago
Such an easy process definitely…
Such an easy process definitely recommend if you are looking to refinance student loans.
M
mary m
4 months ago
Great job!!
Extremely helpful, accessible, knowledgeable, friendly, and communicative
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vinny fazio
4 months ago
Excellent Support
I was immediately acquainted with a Loan Advisor who was super knowledgeable and helpful for my experience (huge shoutout to Stan Mitchell!!). He was always available to answer any questions I had in a very timely manner and was there to help me through the whole process.
M
marieanne vitug
4 months ago
I liked that someone personally reached…
I liked that someone personally reached out to me to assist me and ask if I needed any help.
K
kaitlin olson
4 months ago
Review
Dylan Sparks was a little bit pushy and sent a lot of emails but I understand that is his job. He was very helpful and answered all my questions.
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phil haloftis
4 months ago
Colene at ELFI is the best!
Colene is a true professional and helped me throughout the process as well as answering any questions I had. Thank you, Colene, you are the best!
J
jayci burrell
4 months ago
My experience was great!
My experience was great!
M
meg murphy
4 months ago
Didier's Willingness to Help!
Didier was very helpful answering questions for me about the loan and getting me the information to make a well-informed decision. She was timely and considerate as well!
N
nadine serbonich
4 months ago
Everything was so easy and Emily was…
Everything was so easy and Emily was very responsive.
A
ah
4 months ago
Painless process
Very quick process from start to finish. Contacts from ELFI reach out to keep me posted on the process.
S
steph l
4 months ago
Quick
Quick, clear replies. Even though I wasn't able to get my first choice, ELFI was able to work on a solution that worked within my budget to refinance my student loan.
M
mia p.
4 months ago
Didier is AMAZING
Didier is AMAZING! He was so patient with me and very communicative even with being on a different time zone. He answered all my questions and made the process easy, even when there was back and forth gathering information.
J
jacob mccomb
4 months ago
Super helpful and patient with my many…
Super helpful and patient with my many questions throughout the process.
N
nicholas mantel
4 months ago
Colene was super helpful and…
Colene was super helpful and knowledgeable!
N
noah
4 months ago
Quick responses
Quick responses, greatest rates, straightforward information and website and application. What else do you need?
M
morgan
4 months ago
Easy & fast
Easy & fast. Dylan was knowledgeable and quick to respond. I cut my private loan interest in half refinancing through ELFI and will save me thousands and thousands of dollars. Couldn’t be happier!
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nick dubman
4 months ago
Very easy and quick process.
Very easy and quick process.
H
happy customer
4 months ago
Emily's patience and professionalism were top notch
Emily was very helpful - giving me updates on my loan refinance and what documents needed to be completed. She was especially patient and professional calling me during the final evaluation on my loan so I could complete the signature and lock the rate down. I felt taken care of. Thank you for adding the personal touch to an otherwise non-personal (loan refinance) experience.
M
matthew berger
4 months ago
Colene was a dream to work with
Colene was a dream to work with
M
mp
4 months ago
Very simple process and decisions were…
Very simple process and decisions were made quickly
C
cade worthy
5 months ago
As good as it gets when it come to…
As good as it gets when it come to student debt financing.
T
tracey hennemann
5 months ago
Simple process and excellent service
Application was simple. Response was quick. There were no surprises.
D
daniel otieno
5 months ago
Very responsive ELFI representative
The application process for my student loan refinancing was very straight forward and hassle-free. The platform created by ELFI guides you step-by-step. The requirements they need of you are clearly stated and easy to upload. Plus you’re not completely dealing with an automated system; there’s a representative following your application as well and answering any questions you might have. It there’s additional documentation required, for instance, they reach out. I found the representative in my case to be very responsive. Overall, my experience was great.
A
amelia hiller
5 months ago
helpful staff
collene was extremely helpful and got back to us via email in a timely manner. answered my questions with detail and made sure i understood everything.
T
trevor weiss
5 months ago
Great
Dylan was very quick in responding and I was approved for the loan in less than a week.
R
reyna pleitez
5 months ago
Stanley was clear in all instructions…
Stanley was clear in all instructions and dates in order for my loan to be expedited. He was very responsive and helpful throughout. The underwriting department was able to process the application very quickly.
M
marissa
5 months ago
Helpful!
Stan was super helpful in providing me with detailed information on what documents I needed and helped me complete my application and get approved!
W
william smith
5 months ago
Dylan provided good input
Dylan provided good input, and responded in a very timely manner to my questions
K
kevin ward
5 months ago
Ryan was great to work with
Ryan was great to work with. Everything was pretty straighforward and efficient. Approval process was very quick and positive.
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victoria johnson
5 months ago
Going through the process of refinancing my undergrad student loans
Going through the process of refinancing my student loans was made very easy and painless with ELFI. Derek was very responsive and helpful with the entire process.
A
amanda clemente
5 months ago
Didier is a wonderful asset to your team.
This review is in regards to my many interacts with Didier over the course of establishing my student loan. He was very patient and always answered questions in their entirety. Most importantly, he never made me feel like any question I had was silly. He is a wonderful member of your team.
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rafael gonzalez
5 months ago
was very helpful
was very helpful - made the process very simple
D
dsal
5 months ago
Colene was fantastic and very helpful
Colene was fantastic and very helpful
D
dexter maceus
5 months ago
Excellent Customer Service
Colene was absolutely exceptional in providing me with excellent customer service.
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lmac
5 months ago
Great experience
They were quick to respond to my questions and responded thoroughly. My only half-complaint was how "eager" the representative was to contact me after sending my initial application (sent a text then called the next day reminding me of the deadline for additional documents). Which made me think it was a possible scam. Overall great experience though, the process was made very easy and simple.
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anthony & kellie kiefner
5 months ago
Best lender for refinancing/consolidating student loans
This consolidation loan was processed from start to finish in less than 24 hours. Colene Helveston provided excellent customer service and was very clear on documents needed and steps to be taken, which moved the process along very quickly. I highly recommend this lender. The rate offered was by far the best of all the lenders - I saved over 2 percentage points.
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hannah best
6 months ago
Stan was very helpful!
Stan was very helpful!
K
kyle
6 months ago
Good customer service during onboarding
Dylan Sparks specifically was very helpful during my process.
A
anna costa
6 months ago
My counselor was super helpful and very…
My counselor was super helpful and very responsive, made the process a lot smoother.
S
sarah nadeau
6 months ago
Excellent customer service!
She was very clear and thorough in communication and quick to respond- even on weekends.
E
erin steinbach
6 months ago
Refinancing was easy
Refinancing was easy, quick, and stress free. The emails sent by my student loan advisor Stan Mitchell helped to walk me through the process so I didn’t miss anything.
T
theresa bohler
6 months ago
Emily made the whole process very easy
Emily made the whole process very easy, and was helpful the whole time
E
emilee tucker
6 months ago
Stan is the best
Stan is the best! Very helpful and approachable
A
aaron whatley
6 months ago
Very Easy to work with, great rate
Definitely worth looking into. Lowered my payment a lot, very quick process and easy to work with.
R
rayden b
6 months ago
Smooth Process And Great Customer Service
My student loan refinancing application was quick and streamlined. Huge thanks to my ELFI Advisor who helped me every step of the way to make the process surprisingly and refreshingly painless!
M
melissa vinnacombe
6 months ago
Super easy and convenient
Super easy and convenient. You can do everything electronically and it’s easy to upload your documents. Didier Leclaire Kept me in the loop through the process quickly answered all of my questions and was a great asset through the process!
B
brittany frazer
6 months ago
Fast response and turnaround refinance…
I have refinanced my student loans three times and this experience was by far the easiest and communication was strong. I was very pleased to have my own loan officer who was very receptive, extremely responsive, and helpful!
M
mimi charles
6 months ago
Very Simple Process
He was quick to assist and respond to my emails and made the process so simple for me to finalize everything.
B
brennan merley
6 months ago
Dylan was able to let me know if I was…
Dylan was able to let me know if I was missing any documents the next day. He made the process go smoothly.
M
miles harris-hohne
6 months ago
Colene helped us out BIG TIME on this…
Colene helped us out BIG TIME on this loan request. We initially had inputted our information incorrectly and Colene helped us get a better application immediately! Great customer service here!
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radhia ismael
6 months ago
Awesome!
Elfi was great but Colene, our Personal Loan Advisor, was the true shining star. She was on it the whole time, replying surprisingly quickly to every inquiry and being present for every step of the process. I really felt like I had someone reliable working on my application. Elfi itself was good, however, it did end up giving us slightly different rates to sign on than what was previewed (and not just because the market/rates changed, we signed up the same day and the offers extended were different than what was previewed), so we will spend slightly more a month, but overall not bad! Elfi was recommended to me by a relative, and even with this slight change, I would recommend it myself! Super easy, super simple, and GREAT customer service!
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samantha rizzuto
6 months ago
Didier was helpful and kind.
Didier was helpful and kind.
B
brandon rozenbaum
6 months ago
Was quick and detailed when answering…
Was quick and detailed when answering question that we had or just providing details about the next steps in the loan process.
M
megan kushner
6 months ago
Emily was friendly and responded…
Emily was friendly and responded quickly!
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garrett tedeman
6 months ago
Good general web-function for application, and coordinated with customer representative.
Hi -- Just wanted to leave a note that very much appreciated the process with ELFI that (A.) seemed to have a more developed & coherent process to follow for application and document submission, and (B.) also facilitated "prompting" for (human) contact with a representative to answer/confirm the last couple of items. Of course, that seems pretty simple, but we all know how much work it (really) takes to get those parts together. Good stuff though, and would recommend to others for an up-to-date service experience.