Student loan terms range from 5-15 years*, with student loan refinancing terms ranging from 5-20 years*. Our parent loans offer flexible terms from 5-10 years*. All student loans have the option of low fixed or variable rates, and best of all, you can prequalify in minutes. Go ahead, empower your future.
There's a smarter way to manage your student loans. At ELFI, we offer a simple online application process paired with guidance from a Student Loan Advisor who's here to help every step of the way. Best of all, you can prequalify in minutes, without it impacting your credit score. Explore options and choose which plan has the best rates, terms and payments for your student loan needs.
There's a smarter way to manage your student loans. At ELFI, we offer a simple online application process paired with guidance from a Student Loan Advisor who's here to help every step of the way. Best of all, you can prequalify in minutes, without it impacting your credit score. Explore options and choose which plan has the best rates, terms and payments for your student loan needs.
Services
Education Loan Finance (also known as ELFI) is a division of Tennessee-based SouthEast Bank which launched in 2015 and is designed to assist borrowers with student loan refinancing as well as with undergraduate, graduate and parent private student loans. We make financing your future simple by offering easy payment options, affordable rates, and flexible terms in an application process that is transparent and secure.
We believe education fuels empowerment, and because of that, we take the hassle out of obtaining a private student loan. Want freedom? You can check your rate in minutes without it affecting your credit score. Want savings? You won't pay an application, origination or prepayment fee. Looking for support?
If you've completed the FAFSA, used scholarships and grants, or explored federal loan products, an undergraduate student loan from ELFI may be right for you. We take a modern approach to college financing with a safe, secure, and simple online application. Pair it with no fees, flexible repayment options and a dedicated Student Loan Advisor, and your path to graduation just got a whole lot easier.
We're focused on helping you advance your career, no matter your course of study. In minutes, you can check your rates without affecting your credit. Our entire application process can be completed online and you won't be surprised with hidden fees or strict repayment terms. Need convincing? See the hundreds of reviews from our customers.
Let's remove the obstacles around helping your child pay for college. ELFI provides parent loans with flexible payment terms of 5, 7 and 10 years and no penalties for paying them off early. Rest easy knowing you've secured a low-interest rate and chosen a repayment plan that's tailored to fit your lifestyle.
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