ELFI provides student loan consolidation options for federal and private student loans. Consolidation can simplify your loan payments by combining multiple student loans into one, potentially lowering your …

Congratulations on securing an Education Loan Finance (ELFI) loan! In order to provide first-rate repayment service, we have partnered with American Education Services (AES) as our servicer for …

For borrowers who started an application with ELFI after 7:00pm EST, 1/7/2022, your loan is based on the PRIME rate, which is currently 7%, effective Dec. 2025.

Feb 24, 2026 · What Is ELFI? ELFI is a leading student loan lender offered through Southeast Bank known for having among the lowest rates in the industry coupled with the highest level of customer …

Jan 13, 2026 · ELFI has been helping borrowers refinance student loans since 2015. As a division of SouthEast Bank, based in Tennessee, ELFI operates entirely online. With ELFI, you can refinance a …

Feb 6, 2026 · Education Loan Finance, also known as ELFI, is a nationwide student loan debt consolidation and refinance program offered by Tennessee-based SouthEast Bank. The company …

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We’re a national private lending company with deep roots in supporting education. SouthEast Bank’s parent holding company, Education Loan Finance, Inc., is a not-for-profit organization that has a...

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