Student loans
Let us match you to student loans offers. Get started with your FICO® ScoreΘ for free. Learn about student loans.
ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more
We're sorry, there are no offers that matched your selection. Select a different filter to search again
120 Months
4.04 - 5.99%
fixed APR
$159
$159 was calculated based on a $15,000 loan with a rate of 5.02% 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 Student 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.
84 Months
3.74 - 5.99%
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
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 Student 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.
Not sure what loan you qualify for?
Let us match you to personalized loan offers. Get started with your FICO® Score for free.
240 Months
4.48 - 5.99%
fixed APR
$101
$101 was calculated based on a $15,000 loan with a rate of 5.24% 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 Student 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
4.07 - 7.32%
fixed APR
$164
$164 was calculated based on a $15,000 loan with a rate of 5.70% 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 range from 2.49% APR to 7.59% APR with a 0.25% autopay discount. Variable rates from 1.74% APR to 7.24% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates on 5-, 7-, and 10-year terms are capped at 8.95% APR; 15- and 20-year terms are capped at 9.95% APR. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. 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. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
84 Months
3.45 - 5.14%
variable APR
$207
$207 was calculated based on a $15,000 loan with a rate of 4.29% 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 Student 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
3.49 - 12.99%
fixed APR
$159
$159 was calculated based on a $15,000 loan with a rate of 9.71% 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 Firstrust Bank, member FDIC, First Citizens Community 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.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
60 Months
2.65 - 13.25%
variable APR
$304
$304 was calculated based on a $15,000 loan with a rate of 7.95% over 60 months.
Per Month
60 Months
3.49 - 12.99%
fixed APR
$307
$307 was calculated based on a $15,000 loan with a rate of 8.39% 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 Firstrust Bank, member FDIC, First Citizens Community 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.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
240 Months
4.19 - 7.59%
fixed APR
$107
$107 was calculated based on a $15,000 loan with a rate of 5.89% 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 range from 2.49% APR to 7.59% APR with a 0.25% autopay discount. Variable rates from 1.74% APR to 7.24% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates on 5-, 7-, and 10-year terms are capped at 8.95% APR; 15- and 20-year terms are capped at 9.95% APR. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. 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. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
60 Months
2.73 - 5.99%
fixed APR
$279
$279 was calculated based on a $15,000 loan with a rate of 4.36% 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 Student 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
4.33 - 6.01%
variable APR
$100
$100 was calculated based on a $15,000 loan with a rate of 5.17% 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 Student 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
3.49 - 12.99%
fixed APR
$222
$222 was calculated based on a $15,000 loan with a rate of 9.34% 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 Firstrust Bank, member FDIC, First Citizens Community 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.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
60 Months
1.19 - 11.98%
variable APR
$295
$295 was calculated based on a $15,000 loan with a rate of 6.74% 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 Firstrust Bank, member FDIC, First Citizens Community 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.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
120 Months
1.19 - 11.98%
variable APR
$177
$177 was calculated based on a $15,000 loan with a rate of 7.37% 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 Firstrust Bank, member FDIC, First Citizens Community 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.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
60 Months
1.86 - 4.99%
variable APR
$272
$272 was calculated based on a $15,000 loan with a rate of 3.42% 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 Student 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
2.49 - 5.88%
fixed APR
$278
$278 was calculated based on a $15,000 loan with a rate of 4.19% 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 range from 2.49% APR to 7.59% APR with a 0.25% autopay discount. Variable rates from 1.74% APR to 7.24% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates on 5-, 7-, and 10-year terms are capped at 8.95% APR; 15- and 20-year terms are capped at 9.95% APR. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. 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. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
180 Months
4.34 - 5.99%
fixed APR
$120
$120 was calculated based on a $15,000 loan with a rate of 5.17% 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 Student 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
1.19 - 11.98%
variable APR
$207
$207 was calculated based on a $15,000 loan with a rate of 7.29% 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 Firstrust Bank, member FDIC, First Citizens Community 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.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
84 Months
3.43 - 7.17%
fixed APR
$214
$214 was calculated based on a $15,000 loan with a rate of 5.30% 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 range from 2.49% APR to 7.59% APR with a 0.25% autopay discount. Variable rates from 1.74% APR to 7.24% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates on 5-, 7-, and 10-year terms are capped at 8.95% APR; 15- and 20-year terms are capped at 9.95% APR. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. 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. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
180 Months
4.09 - 5.75%
variable APR
$118
$118 was calculated based on a $15,000 loan with a rate of 4.92% 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 Student 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
3.49 - 12.99%
fixed APR
$194
$194 was calculated based on a $15,000 loan with a rate of 9.44% 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 Firstrust Bank, member FDIC, First Citizens Community 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.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
180 Months
1.19 - 11.98%
variable APR
$140
$140 was calculated based on a $15,000 loan with a rate of 7.66% 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 Firstrust Bank, member FDIC, First Citizens Community 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.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate ("APR"): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 4/19/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
180 Months
4.17 - 7.34%
fixed APR
$125
$125 was calculated based on a $15,000 loan with a rate of 5.75% 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 range from 2.49% APR to 7.59% APR with a 0.25% autopay discount. Variable rates from 1.74% APR to 7.24% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates on 5-, 7-, and 10-year terms are capped at 8.95% APR; 15- and 20-year terms are capped at 9.95% APR. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. 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. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
120 Months
3.74 - 5.39%
variable APR
$156
$156 was calculated based on a $15,000 loan with a rate of 4.56% 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 Student 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.
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.
*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
Know more before you apply
See your FICO® ScoreΘ for free
Get your FICO® Score and Experian Credit Report along with the positive and negative factors impacting your credit.
Offers matched to you
We’ll help analyze your individual credit situation and match you to the best offers specifically for you.
Gain a trusted financial partner
Experian’s vast data assets and smart analytics power are available to you so you can be better at credit.
ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more
Take the guesswork out of applying for this offer
See offers Matched for You instantly.
Create your free Experian CreditWorksSM account now.
How do you match me?We’ve done the research so you don’t have to. Our technology works directly with financial institutions to match you to the offers from our partners that are right for you, which means you are more likely to qualify for the products that are Matched for You. Our list is more personalized than other sites because we review lender requirements before showing you offers. We find your best matches using things like your credit profile and your spending habits.
Create and Match Now No thanks, I’ll apply now on the website.We’ve done the research so you don’t have to. Our technology works directly with financial institutions to match you to the offers from our partners that are right for you, which means you are more likely to qualify for the products that are Matched for You. Our list is more personalized than other sites because we review lender requirements before showing you offers. We find your best matches using things like your credit profile and your spending habits.