ELFI Student Loan Refinance
Education Loan Finance offers competitive student loan refinancing with dedicated personal loan advisors.
Last checked on September 4, 2026. We may earn a commission when you click through.
ELFI Student Loan Refinance
Updated 1 month agoAPR Range
4.86–8.44%
Amount
$10k–$300k
Term
60–240 months
Type
student_refinance
You'll be redirected to elfi.com
Our Verdict
ELFI consistently ranks among the lowest APRs for student loan refinancing. Each borrower gets a dedicated personal loan advisor — rare in the fintech space.
Best For
Borrowers with good credit (680+) refinancing $10,000+ in student loans who value personalized service
Pros
- Among lowest APRs in the market
- Dedicated personal loan advisor
- No origination or application fees
- Both fixed and variable rates
Cons
- $10,000 minimum refinance amount
- 680+ credit score required
- 2-3 day approval (not instant)
About This Loan
Requirements
- US citizen or permanent resident
- Bachelor's degree or higher
- Minimum income $35,000
- 680+ credit score
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34.0–36%
Amount
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Term
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Upgrade Debt Consolidation Loan
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Affirm Pay Over Time
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0.0–36.0%
Amount
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Earnest Student Loan Refinance
StudentAPR
4.15–14.9%
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Term
—
Best for: This service is best for individuals with good credit looking for customizable repayment plans and the option to skip payments once a year.
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4.96–9.99%
Amount
$5k–$500k
Term
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Best for: Borrowers who want to compare multiple refinance offers without multiple applications