Student loans
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180 Months
6.49 - 9.64%
variable APR
$144
$144 was calculated based on a $15,000 loan with a rate of 8.07% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
60 Months
1.24 - 11.98%
variable APR
$295
$295 was calculated based on a $15,000 loan with a rate of 6.69% over 60 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, Member FDIC or M.Y. Safra Bank, FSB, Member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
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60 Months
3.56 - 9.64%
variable APR
$294
$294 was calculated based on a $15,000 loan with a rate of 6.60% over 60 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
240 Months
4.97 - 8.22%
fixed APR
$113
$113 was calculated based on a $15,000 loan with a rate of 6.60% over 240 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
120 Months
3.75 - 6.8%
variable APR
$161
$161 was calculated based on a $15,000 loan with a rate of 5.28% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
96 Months
1.24 - 11.98%
variable APR
$208
$208 was calculated based on a $15,000 loan with a rate of 7.42% over 96 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, Member FDIC or M.Y. Safra Bank, FSB, Member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
60 Months
5.45 - 9.74%
fixed APR
$301
$301 was calculated based on a $15,000 loan with a rate of 7.60% over 60 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
60 Months
3.48 - 6.45%
fixed APR
$283
$283 was calculated based on a $15,000 loan with a rate of 4.96% over 60 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
84 Months
3.75 - 6.77%
fixed APR
$214
$214 was calculated based on a $15,000 loan with a rate of 5.26% over 84 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
180 Months
5.79 - 7.20%
fixed APR
$131
$131 was calculated based on a $15,000 loan with a rate of 6.50% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
180 Months
6.63 - 9.74%
fixed APR
$145
$145 was calculated based on a $15,000 loan with a rate of 8.19% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
180 Months
4.9 - 5.82%
fixed APR
$121
$121 was calculated based on a $15,000 loan with a rate of 5.36% over 180 months.
Per Month
Loan Details
Refinance and consolidate private and federal student loans
650 minimum FICO® Score
No origination fees and no prepayment penalties
Simple online application with live support 7 days a week
Career support - complimentary career coaching for SoFi members
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay
Payment Deferral
If you lose your job through no fault of your own, you may apply for Unemployment Protection. Terms and conditions apply, see https://www.sofi.com/legal/#3 for details.
Fixed rates from 3.20% APR to 6.44% APR (with AutoPay). Variable rates from 2.99% APR to 6.44% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms (https://www.sofi.com/refinance-student-loan/refinance-student-loan-rates/). Lowest variable rate of 2.99% APR assumes current 1 month LIBOR rate of 0.18% plus 2.82% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details (https://www.sofi.com/eligibility-criteria/#eligibility-refi). The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
180 Months
3.99 - 12.99%
fixed APR
$157
$157 was calculated based on a $15,000 loan with a rate of 9.52% over 180 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, Member FDIC or M.Y. Safra Bank, FSB, Member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
120 Months
3.99 - 12.99%
fixed APR
$193
$193 was calculated based on a $15,000 loan with a rate of 9.39% over 120 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, Member FDIC or M.Y. Safra Bank, FSB, Member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
84 Months
3.94 - 5.14%
variable APR
$209
$209 was calculated based on a $15,000 loan with a rate of 4.54% over 84 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Lender Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
60 Months
5.40 - 9.74%
fixed APR
$301
$301 was calculated based on a $15,000 loan with a rate of 7.57% over 60 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
120 Months
5.64 - 9.64%
variable APR
$179
$179 was calculated based on a $15,000 loan with a rate of 7.64% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
180 Months
6.60 - 9.74%
fixed APR
$145
$145 was calculated based on a $15,000 loan with a rate of 8.17% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
120 Months
5.34 - 6.62%
variable APR
$166
$166 was calculated based on a $15,000 loan with a rate of 5.98% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
60 Months
3.2 - 5.01%
fixed APR
$277
$277 was calculated based on a $15,000 loan with a rate of 4.11% over 60 months.
Per Month
Loan Details
Refinance and consolidate private and federal student loans
650 minimum FICO® Score
No origination fees and no prepayment penalties
Simple online application with live support 7 days a week
Career support - complimentary career coaching for SoFi members
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay
Payment Deferral
If you lose your job through no fault of your own, you may apply for Unemployment Protection. Terms and conditions apply, see https://www.sofi.com/legal/#3 for details.
Fixed rates from 3.20% APR to 6.44% APR (with AutoPay). Variable rates from 2.99% APR to 6.44% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms (https://www.sofi.com/refinance-student-loan/refinance-student-loan-rates/). Lowest variable rate of 2.99% APR assumes current 1 month LIBOR rate of 0.18% plus 2.82% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details (https://www.sofi.com/eligibility-criteria/#eligibility-refi). The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
60 Months
3.19 - 5.99%
fixed APR
$280
$280 was calculated based on a $15,000 loan with a rate of 4.59% over 60 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Lender Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
240 Months
4.75 - 6.69%
fixed APR
$105
$105 was calculated based on a $15,000 loan with a rate of 5.72% over 240 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Lender Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
120 Months
1.24 - 11.98%
variable APR
$180
$180 was calculated based on a $15,000 loan with a rate of 7.69% over 120 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, Member FDIC or M.Y. Safra Bank, FSB, Member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
120 Months
5.54 - 9.64%
variable APR
$179
$179 was calculated based on a $15,000 loan with a rate of 7.59% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
60 Months
2.41 - 6.18%
variable APR
$278
$278 was calculated based on a $15,000 loan with a rate of 4.29% over 60 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
84 Months
4.28 - 5.45%
fixed APR
$211
$211 was calculated based on a $15,000 loan with a rate of 4.87% over 84 months.
Per Month
Loan Details
Refinance and consolidate private and federal student loans
650 minimum FICO® Score
No origination fees and no prepayment penalties
Simple online application with live support 7 days a week
Career support - complimentary career coaching for SoFi members
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay
Payment Deferral
If you lose your job through no fault of your own, you may apply for Unemployment Protection. Terms and conditions apply, see https://www.sofi.com/legal/#3 for details.
Fixed rates from 3.20% APR to 6.44% APR (with AutoPay). Variable rates from 2.99% APR to 6.44% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms (https://www.sofi.com/refinance-student-loan/refinance-student-loan-rates/). Lowest variable rate of 2.99% APR assumes current 1 month LIBOR rate of 0.18% plus 2.82% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details (https://www.sofi.com/eligibility-criteria/#eligibility-refi). The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
180 Months
4.17 - 6.69%
fixed APR
$122
$122 was calculated based on a $15,000 loan with a rate of 5.43% over 180 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Lender Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
96 Months
3.99 - 12.99%
fixed APR
$221
$221 was calculated based on a $15,000 loan with a rate of 9.16% over 96 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, Member FDIC or M.Y. Safra Bank, FSB, Member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
180 Months
1.24 - 11.98%
variable APR
$142
$142 was calculated based on a $15,000 loan with a rate of 7.79% over 180 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, Member FDIC or M.Y. Safra Bank, FSB, Member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
120 Months
4.67 - 5.79%
fixed APR
$161
$161 was calculated based on a $15,000 loan with a rate of 5.23% over 120 months.
Per Month
Loan Details
Refinance and consolidate private and federal student loans
650 minimum FICO® Score
No origination fees and no prepayment penalties
Simple online application with live support 7 days a week
Career support - complimentary career coaching for SoFi members
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay
Payment Deferral
If you lose your job through no fault of your own, you may apply for Unemployment Protection. Terms and conditions apply, see https://www.sofi.com/legal/#3 for details.
Fixed rates from 3.20% APR to 6.44% APR (with AutoPay). Variable rates from 2.99% APR to 6.44% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms (https://www.sofi.com/refinance-student-loan/refinance-student-loan-rates/). Lowest variable rate of 2.99% APR assumes current 1 month LIBOR rate of 0.18% plus 2.82% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details (https://www.sofi.com/eligibility-criteria/#eligibility-refi). The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
120 Months
4.05 - 5.39%
variable APR
$157
$157 was calculated based on a $15,000 loan with a rate of 4.72% over 120 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Lender Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
240 Months
4.64 - 6.01%
variable APR
$102
$102 was calculated based on a $15,000 loan with a rate of 5.32% over 240 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Lender Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
60 Months
3.99 - 12.99%
fixed APR
$309
$309 was calculated based on a $15,000 loan with a rate of 8.64% over 60 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, Member FDIC or M.Y. Safra Bank, FSB, Member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Information advertised valid as of 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
240 Months
5.09 - 6.44%
fixed APR
$105
$105 was calculated based on a $15,000 loan with a rate of 5.77% over 240 months.
Per Month
Loan Details
Refinance and consolidate private and federal student loans
650 minimum FICO® Score
No origination fees and no prepayment penalties
Simple online application with live support 7 days a week
Career support - complimentary career coaching for SoFi members
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay
Payment Deferral
If you lose your job through no fault of your own, you may apply for Unemployment Protection. Terms and conditions apply, see https://www.sofi.com/legal/#3 for details.
Fixed rates from 3.20% APR to 6.44% APR (with AutoPay). Variable rates from 2.99% APR to 6.44% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms (https://www.sofi.com/refinance-student-loan/refinance-student-loan-rates/). Lowest variable rate of 2.99% APR assumes current 1 month LIBOR rate of 0.18% plus 2.82% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details (https://www.sofi.com/eligibility-criteria/#eligibility-refi). The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
120 Months
5.37 - 6.77%
fixed APR
$167
$167 was calculated based on a $15,000 loan with a rate of 6.07% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
120 Months
5.85 - 9.74%
fixed APR
$180
$180 was calculated based on a $15,000 loan with a rate of 7.79% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
60 Months
2.39 - 4.99%
variable APR
$274
$274 was calculated based on a $15,000 loan with a rate of 3.69% over 60 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Lender Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
180 Months
6.45 - 9.65%
variable APR
$144
$144 was calculated based on a $15,000 loan with a rate of 8.05% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
60 Months
3.66 - 9.64%
variable APR
$295
$295 was calculated based on a $15,000 loan with a rate of 6.65% over 60 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
180 Months
4.52 - 7.77%
fixed APR
$128
$128 was calculated based on a $15,000 loan with a rate of 6.14% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
84 Months
4 - 6.48%
fixed APR
$214
$214 was calculated based on a $15,000 loan with a rate of 5.24% over 84 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Lender Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
180 Months
6.07 - 7.05%
variable APR
$131
$131 was calculated based on a $15,000 loan with a rate of 6.56% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
84 Months
3.48 - 6.5%
variable APR
$212
$212 was calculated based on a $15,000 loan with a rate of 4.99% over 84 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
120 Months
4.02 - 7.07%
fixed APR
$163
$163 was calculated based on a $15,000 loan with a rate of 5.54% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
120 Months
5.91 - 9.74%
fixed APR
$181
$181 was calculated based on a $15,000 loan with a rate of 7.83% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
180 Months
4.25 - 7.5%
variable APR
$126
$126 was calculated based on a $15,000 loan with a rate of 5.88% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
180 Months
4.3 - 5.75%
variable APR
$119
$119 was calculated based on a $15,000 loan with a rate of 5.03% over 180 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Lender Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
120 Months
3.86 - 6.69%
fixed APR
$161
$161 was calculated based on a $15,000 loan with a rate of 5.28% over 120 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Lender Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
240 Months
4.70 - 7.95%
variable APR
$110
$110 was calculated based on a $15,000 loan with a rate of 6.33% over 240 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
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