Ready to refi?* Use the quick links below. See Your Rate: Prequalify Online Learn More About Refinancing * Subject to credit approval. See terms and conditions on ELFI.com for more information. With flexible terms and some of the student loan refinance industry’s lowest rates, ELFI empowers individuals and families to get ahead on their student loan debt. We provide a 100% online application process paired with award-winning customer service led by experts in the student loan industry who are there to address your every need. To change the student loan paradigm, we started at the ground level and built a different kind of business. Each ELFI customer is paired with a Personal Loan Advisor (we call them PLAs) who stays with them through every step of their refinance journey. From answering questions during the application process to making sure you have your documents in line – you have one person who acts as your trusted advisor throughout. Making it easy on our customers is how we define good customer service. It’s not just a business. It’s in our DNA to help our customers navigate the student loan refinance process to achieve their financial goals and empower a brighter future.