{"id":13125,"date":"2022-01-02T00:01:57","date_gmt":"2022-01-02T06:01:57","guid":{"rendered":"https:\/\/www.fitbux.com\/articles\/?p=13125"},"modified":"2025-02-06T09:17:19","modified_gmt":"2025-02-06T15:17:19","slug":"elfi-review","status":"publish","type":"post","link":"https:\/\/www.fitbux.com\/articles\/elfi-review\/","title":{"rendered":"ELFI Review"},"content":{"rendered":"<p>In our <a href=\"https:\/\/www.elfi.com\/fitbux\/?utm_source=fitbux&amp;utm_medium=affiliate&amp;utm_content=refinance\" target=\"_blank\">Education Loan Finance<\/a> student loan refinance review, we provide an overview of the company, pros, and cons. There best loan tends to be the 15 year fixed rate loan.<\/p>\n<p>Be sure to check out the other companies also by checking out our <a href=\"https:\/\/www.fitbux.com\/articles\/best-student-loan-refinance-companies\/\">Best Student Loan Refinance Company review page<\/a>.<\/p>\n<h2 id=\"t-1660420049562\">Education Loan Finance Company Overview<\/h2>\n<p>Education Loan Finance (a.k.a. ELFI) is a non-profit division of Tennessee based SouthEast bank.\u00a0 They have been in business for 25 years and have refinanced over $1 billion in student loans.<\/p>\n<p>They are more of a traditional bank which means traditional underwriting ratios. Translation\u2026 If you have a good credit score and DTI ratio, it will be easy to qualify. If you don\u2019t, you probably won\u2019t qualify.<\/p>\n<p>Education Loan Finance is great for those with good credit scores and DTI ratios. They consistently have competitive rates and you should definitely check them if you are refinancing.<\/p>\n<ul>\n<li>They offer fixed and variable rate loans<\/li>\n<li>Loan terms offered: 5, 7, 10, 15, or 20 years (no prepayment penalty)<\/li>\n<li>Current fixed interest rate: 5.08% &#8211; 8.44%<\/li>\n<li>Current variable interest rate: 5.28% &#8211; 8.99%<\/li>\n<li>Loan Amounts: $10,000 \u2013 unlimited<\/li>\n<li>Minimum FICO: 680<\/li>\n<li>Minimum income to qualify: $35,000<\/li>\n<li>Must have a bachelors degree or greater<\/li>\n<li>Takes about 1 \u2013 2 weeks to complete the loan from start to finish<\/li>\n<\/ul>\n<h3 style=\"text-align: center;\"><a href=\"https:\/\/www.elfi.com\/fitbux\/?utm_source=fitbux&amp;utm_medium=affiliate&amp;utm_content=refinance\" target=\"_blank\"><strong>Get My Rate With ELFI<\/strong><\/a><\/h3>\n<h2 id=\"t-1660420049563\">Pros Of Using Education Loan Finance<\/h2>\n<ul>\n<li><em>They <a href=\"https:\/\/www.fitbux.com\/articles\/refinance-parent-plus-student-loans\/\">refinance Parent Plus Loans<\/a><\/em><\/li>\n<li><em>Consistently have good rates<\/em><\/li>\n<li><em>Top notch customer service<\/em><\/li>\n<li><em>Go all the way down to a 680 credit score<\/em><\/li>\n<li><em>Available in all 50 states<\/em><\/li>\n<li>You can postpone payments for 12 months for financial hardship or medical issues. Each case is reviewed by ELFI, i.e. no guarantee.<\/li>\n<li><em>Loan servicer is Mohela and they are the #1 loan servicer in the country<\/em><\/li>\n<li><em>Minimum income to qualify is $35,000 per year which is lower than most companies<\/em><\/li>\n<li><em>You can make prepayments with your monthly auto-payment<\/em><\/li>\n<\/ul>\n<h3 style=\"text-align: center;\"><a href=\"https:\/\/www.elfi.com\/fitbux\/?utm_source=fitbux&amp;utm_medium=affiliate&amp;utm_content=refinance\" target=\"_blank\"><strong>Check My Rate With ELFI<\/strong><\/a><\/h3>\n<h2 id=\"t-1660420049564\">Cons Of Using Education Loan Finance<\/h2>\n<ul>\n<li><em>No Co-signor Release<\/em><\/li>\n<li><em>Minimum amount to refinance is $10,000 which is higher than most other companies<\/em><\/li>\n<li><em>There is no academic deferment, i.e. if you go back to school you are still going to have to make payments<\/em><\/li>\n<li><em>There is no bi-weekly auto-pay option<\/em><\/li>\n<\/ul>\n<p><em>Note: FitBUX partners with 8 student loan refinancing companies. We have an in-depth knowledge of their underwriting guidelines and have been asked by each company not to disclose certain items. We honor their wishes by not giving out specific information such as typical rates for various FICO scores and DTI ratios. If you\u2019d like help based on your situation, I highly recommend using our <a style=\"font-weight: var(--g-regular-weight, normal);\" href=\"https:\/\/www.fitbux.com\/student-loan-refinance\/\">free student loan refinance service<\/a>\u00a0in which we will help you choose the right student loan refinancing company.\u00a0<\/em><\/p>\n<h2 id=\"t-1660420049565\">Read Other Reviews<\/h2>\n<p><a href=\"https:\/\/www.fitbux.com\/articles\/2019-earnest-student-loan-refinance-review\/\">Earnest Student Loan Refinance Review<\/a><\/p>\n<p><a href=\"https:\/\/www.fitbux.com\/articles\/2019-splash-financial-student-loan-refinance-review\/\">Splash Financial Student Loan Refinance Review<\/a><\/p>\n<p><a href=\"https:\/\/www.fitbux.com\/articles\/2019-sofi-student-loan-refinance-review\/\">Sofi Student Loan Refinance Review<\/a><\/p>\n<p><a href=\"https:\/\/www.fitbux.com\/articles\/2019-laurel-road-student-loan-refinance-review\/\">Laurel Road Student Loan Refinance Review<\/a><\/p>\n<p><a href=\"https:\/\/www.fitbux.com\/articles\/2019-lendkey-student-loan-refinance-review\/\">Lendkey Student Loan Refinance Review<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In our Education Loan Finance student loan refinance review, we provide an overview of the company, pros, and cons. There best loan tends to be the 15 year fixed rate loan. Be sure to check out the other companies also by checking out our Best Student Loan Refinance Company review page. Education Loan Finance Company [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":11967,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","tve_updated_post":"<div class=\"thrv_wrapper tve_wp_shortcode\"><div class=\"tve_shortcode_raw\" style=\"display: none\">___TVE_SHORTCODE_RAW__&lt;p&gt;In our &lt;a href=\"https:\/\/www.elfi.com\/fitbux\/?utm_source=fitbux&amp;amp;utm_medium=affiliate&amp;amp;utm_content=refinance\"&gt;Education Loan Finance&lt;\/a&gt; student loan refinance review, we provide an overview of the company, pros, and cons. There best loan tends to be the 15 year fixed rate loan.&lt;\/p&gt;&lt;p&gt;Be sure to check out the other companies also by checking out our &lt;a href=\"https:\/\/www.fitbux.com\/articles\/best-student-loan-refinance-companies\/\"&gt;Best Student Loan Refinance Company review page&lt;\/a&gt;.&lt;\/p&gt;__TVE_SHORTCODE_RAW___<\/div><\/div><div class=\"thrv_wrapper tve-toc tve-elem-scroll tcb-local-vars-root tve-toc-expandable\" data-columns=\"1\" data-ct=\"toc-63142\" data-transition=\"none\" data-headers=\"h2,h3,h4\" data-numbering=\"bullet\" data-highlight=\"progressive\" data-ct-name=\"Table of Content 17\" data-heading-style=\"{&quot;0&quot;:&quot;tve-u-18298c21baf&quot;,&quot;1&quot;:&quot;tve-u-18298c21bb1&quot;,&quot;2&quot;:&quot;tve-u-18298c21bb2&quot;}\" style=\"\" data-css=\"tve-u-18298c21bac\" data-element-name=\"Table of Contents\" 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class=\"tve-content-box-background\" style=\"\"><\/div>\n\t<div class=\"tve-cb\">\n\t\t<div class=\"tve-toc-title-icon\" data-icon-code=\"icon-close-solid\" style=\"\"><svg class=\"tcb-icon\" viewBox=\"0 0 24 24\" data-id=\"icon-close-solid\" data-name=\"\"><path d=\"M19,6.41L17.59,5L12,10.59L6.41,5L5,6.41L10.59,12L5,17.59L6.41,19L12,13.41L17.59,19L19,17.59L13.41,12L19,6.41Z\"><\/path><\/svg><\/div>\n\t\t<div class=\"thrv_wrapper thrv_text_element tve_no_icons\"><h2 class=\"\" style=\"\" data-css=\"tve-u-18298c21bbd\">Table of Contents<\/h2><\/div>\n\t<\/div>\n<\/div><div class=\"tve-cb tve-toc-content tve-prevent-content-edit\">\n\t\t\n\n\t\t<div class=\"thrv_wrapper tve-toc-list tcb-no-delete tcb-no-save tcb-no-clone tve-no-dropzone\" data-css=\"tve-u-18298c21bae\" style=\"\">\n\t\t\t<div class=\"tve-content-box-background\" data-css=\"tve-u-181884570e4\"><\/div>\n\t\t\t<div class=\"tve-cb\">\n\t\t\t\t<div class=\"tve_ct_content tve_clearfix\"><div class=\"ct_column\"><div class=\"thrv_wrapper tve-toc-heading tve-toc-heading-level0 tve_no_icons\" data-tag=\"H2\" data-css=\"tve-u-18298c21baf\" data-element-name=\"Heading Level 1\"><div class=\"thrv_wrapper tve-toc-bullet tve-toc-bullet0 tve_no_icons tve-jump-scroll\" data-target=\"#t-1660420049562\" jump-animation=\"smooth\" data-icon-target=\"toc-bullet-0-m6the8ap\" data-element-name=\"Icon Level 1\" data-css=\"tve-u-18298c21bb5\"><svg class=\"tcb-icon\"><use href=\"#toc-bullet-0-m6the8ap\"><\/use><\/svg><\/div><a href=\"#t-1660420049562\" class=\"tve-toc-anchor tve-jump-scroll\" jump-animation=\"smooth\">Education Loan Finance Company Overview<\/a><\/div><div class=\"thrv_wrapper tve-toc-heading tve-toc-heading-level1 tve_no_icons\" data-tag=\"H3\" data-css=\"tve-u-18298c21bb1\" data-element-name=\"Heading Level 2\"><a href=\"#t-1738854746814\" class=\"tve-toc-anchor tve-jump-scroll\" jump-animation=\"smooth\">Get My Rate With ELFI<\/a><\/div><div class=\"thrv_wrapper tve-toc-heading tve-toc-heading-level0 tve_no_icons\" data-tag=\"H2\" data-css=\"tve-u-18298c21baf\" data-element-name=\"Heading Level 1\"><div class=\"thrv_wrapper tve-toc-bullet tve-toc-bullet0 tve_no_icons tve-jump-scroll\" data-target=\"#t-1660420049563\" jump-animation=\"smooth\" data-icon-target=\"toc-bullet-0-m6the8ap\" data-element-name=\"Icon Level 1\" data-css=\"tve-u-18298c21bb5\"><svg class=\"tcb-icon\"><use href=\"#toc-bullet-0-m6the8ap\"><\/use><\/svg><\/div><a href=\"#t-1660420049563\" class=\"tve-toc-anchor tve-jump-scroll\" jump-animation=\"smooth\">Pros Of Using Education Loan Finance<\/a><\/div><div class=\"thrv_wrapper tve-toc-heading tve-toc-heading-level1 tve_no_icons\" data-tag=\"H3\" data-css=\"tve-u-18298c21bb1\" data-element-name=\"Heading Level 2\"><a href=\"#t-1738854746815\" class=\"tve-toc-anchor tve-jump-scroll\" jump-animation=\"smooth\">Check My Rate With ELFI<\/a><\/div><div class=\"thrv_wrapper tve-toc-heading tve-toc-heading-level0 tve_no_icons\" data-tag=\"H2\" data-css=\"tve-u-18298c21baf\" data-element-name=\"Heading Level 1\"><div class=\"thrv_wrapper tve-toc-bullet tve-toc-bullet0 tve_no_icons tve-jump-scroll\" data-target=\"#t-1660420049564\" jump-animation=\"smooth\" data-icon-target=\"toc-bullet-0-m6the8ap\" data-element-name=\"Icon Level 1\" data-css=\"tve-u-18298c21bb5\"><svg class=\"tcb-icon\"><use href=\"#toc-bullet-0-m6the8ap\"><\/use><\/svg><\/div><a href=\"#t-1660420049564\" class=\"tve-toc-anchor tve-jump-scroll\" jump-animation=\"smooth\">Cons Of Using Education Loan Finance<\/a><\/div><div class=\"thrv_wrapper tve-toc-heading tve-toc-heading-level0 tve_no_icons\" data-tag=\"H2\" data-css=\"tve-u-18298c21baf\" data-element-name=\"Heading Level 1\"><div class=\"thrv_wrapper tve-toc-bullet tve-toc-bullet0 tve_no_icons tve-jump-scroll\" data-target=\"#t-1660420049565\" jump-animation=\"smooth\" data-icon-target=\"toc-bullet-0-m6the8ap\" data-element-name=\"Icon Level 1\" data-css=\"tve-u-18298c21bb5\"><svg class=\"tcb-icon\"><use href=\"#toc-bullet-0-m6the8ap\"><\/use><\/svg><\/div><a href=\"#t-1660420049565\" class=\"tve-toc-anchor tve-jump-scroll\" jump-animation=\"smooth\">Read Other Reviews<\/a><\/div><\/div><div class=\"thrv_wrapper thrv-divider tve-vert-divider\" data-style=\"tve_sep-1\" data-color-d=\"rgb(215, 215, 215)\" data-css=\"tve-u-18298c21bb6\" data-thickness-d=\"1\" data-style-d=\"tve_sep-2\"><hr class=\"tve_sep tve_sep-2\" style=\"\"><\/div><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><div class=\"thrv_wrapper tve_wp_shortcode\"><div class=\"tve_shortcode_raw\" style=\"display: none\">___TVE_SHORTCODE_RAW__&lt;h2 id=\"t-1660420049562\"&gt;Education Loan Finance Company Overview&lt;\/h2&gt;&lt;p&gt;Education Loan Finance (a.k.a. ELFI) is a non-profit division of Tennessee based SouthEast bank.&nbsp; They have been in business for 25 years and have refinanced over $1 billion in student loans.&lt;\/p&gt;&lt;p&gt;They are more of a traditional bank which means traditional underwriting ratios. Translation\u2026 If you have a good credit score and DTI ratio, it will be easy to qualify. If you don\u2019t, you probably won\u2019t qualify.&lt;\/p&gt;&lt;p&gt;Education Loan Finance is great for those with good credit scores and DTI ratios. They consistently have competitive rates and you should definitely check them if you are refinancing.&lt;\/p&gt;&lt;ul&gt;&lt;li&gt;They offer fixed and variable rate loans&lt;\/li&gt;&lt;li&gt;Loan terms offered: 5, 7, 10, 15, or 20 years (no prepayment penalty)&lt;\/li&gt;&lt;li&gt;Current fixed interest rate: 5.08% - 8.44%&lt;\/li&gt;&lt;li&gt;Current variable interest rate: 5.28% - 8.99%&lt;\/li&gt;&lt;li&gt;Loan Amounts: $10,000 \u2013 unlimited&lt;\/li&gt;&lt;li&gt;Minimum FICO: 680&lt;\/li&gt;&lt;li&gt;Minimum income to qualify: $35,000&lt;\/li&gt;&lt;li&gt;Must have a bachelors degree or greater&lt;\/li&gt;&lt;li&gt;Takes about 1 \u2013 2 weeks to complete the loan from start to finish&lt;\/li&gt;&lt;\/ul&gt;&lt;h3 style=\"text-align: center;\"&gt;&lt;a href=\"https:\/\/www.elfi.com\/fitbux\/?utm_source=fitbux&amp;amp;utm_medium=affiliate&amp;amp;utm_content=refinance\"&gt;&lt;strong&gt;Get My Rate With ELFI&lt;\/strong&gt;&lt;\/a&gt;&lt;\/h3&gt;&lt;h2 id=\"t-1660420049563\"&gt;Pros Of Using Education Loan Finance&lt;\/h2&gt;&lt;ul&gt;&lt;li&gt;&lt;em&gt;They &lt;a href=\"https:\/\/www.fitbux.com\/articles\/refinance-parent-plus-student-loans\/\"&gt;refinance Parent Plus Loans&lt;\/a&gt;&lt;\/em&gt;&lt;\/li&gt;&lt;li&gt;&lt;em&gt;Consistently have good rates&lt;\/em&gt;&lt;\/li&gt;&lt;li&gt;&lt;em&gt;Top notch customer service&lt;\/em&gt;&lt;\/li&gt;&lt;li&gt;&lt;em&gt;Go all the way down to a 680 credit score&lt;\/em&gt;&lt;\/li&gt;&lt;li&gt;&lt;em&gt;Available in all 50 states&lt;\/em&gt;&lt;\/li&gt;&lt;li&gt;You can postpone payments for 12 months for financial hardship or medical issues. Each case is reviewed by ELFI, i.e. no guarantee.&lt;\/li&gt;&lt;li&gt;&lt;em&gt;Loan servicer is Mohela and they are the #1 loan servicer in the country&lt;\/em&gt;&lt;\/li&gt;&lt;li&gt;&lt;em&gt;Minimum income to qualify is $35,000 per year which is lower than most companies&lt;\/em&gt;&lt;\/li&gt;&lt;li&gt;&lt;em&gt;You can make prepayments with your monthly auto-payment&lt;\/em&gt;&lt;\/li&gt;&lt;\/ul&gt;&lt;h3 style=\"text-align: center;\"&gt;&lt;a href=\"https:\/\/www.elfi.com\/fitbux\/?utm_source=fitbux&amp;amp;utm_medium=affiliate&amp;amp;utm_content=refinance\"&gt;&lt;strong&gt;Check My Rate With ELFI&lt;\/strong&gt;&lt;\/a&gt;&lt;\/h3&gt;&lt;h2 id=\"t-1660420049564\"&gt;Cons Of Using Education Loan Finance&lt;\/h2&gt;&lt;ul&gt;&lt;li&gt;&lt;em&gt;No Co-signor Release&lt;\/em&gt;&lt;\/li&gt;&lt;li&gt;&lt;em&gt;Minimum amount to refinance is $10,000 which is higher than most other companies&lt;\/em&gt;&lt;\/li&gt;&lt;li&gt;&lt;em&gt;There is no academic deferment, i.e. if you go back to school you are still going to have to make payments&lt;\/em&gt;&lt;\/li&gt;&lt;li&gt;&lt;em&gt;There is no bi-weekly auto-pay option&lt;\/em&gt;&lt;\/li&gt;&lt;\/ul&gt;&lt;p&gt;&lt;em&gt;Note: FitBUX partners with 8 student loan refinancing companies. We have an in-depth knowledge of their underwriting guidelines and have been asked by each company not to disclose certain items. We honor their wishes by not giving out specific information such as typical rates for various FICO scores and DTI ratios. If you\u2019d like help based on your situation, I highly recommend using our &lt;a style=\"font-weight: var(--g-regular-weight, normal);\" href=\"https:\/\/www.fitbux.com\/student-loan-refinance\/\"&gt;free student loan refinance service&lt;\/a&gt;&nbsp;in which we will help you choose the right student loan refinancing company.&nbsp;&lt;\/em&gt;&lt;\/p&gt;&lt;h2 id=\"t-1660420049565\"&gt;Read Other Reviews&lt;\/h2&gt;&lt;p&gt;&lt;a href=\"https:\/\/www.fitbux.com\/articles\/2019-earnest-student-loan-refinance-review\/\"&gt;Earnest Student Loan Refinance Review&lt;\/a&gt;&lt;\/p&gt;&lt;p&gt;&lt;a href=\"https:\/\/www.fitbux.com\/articles\/2019-splash-financial-student-loan-refinance-review\/\"&gt;Splash Financial Student Loan Refinance Review&lt;\/a&gt;&lt;\/p&gt;&lt;p&gt;&lt;a href=\"https:\/\/www.fitbux.com\/articles\/2019-sofi-student-loan-refinance-review\/\"&gt;Sofi Student Loan Refinance Review&lt;\/a&gt;&lt;\/p&gt;&lt;p&gt;&lt;a href=\"https:\/\/www.fitbux.com\/articles\/2019-laurel-road-student-loan-refinance-review\/\"&gt;Laurel Road Student Loan Refinance Review&lt;\/a&gt;&lt;\/p&gt;&lt;p&gt;&lt;a href=\"https:\/\/www.fitbux.com\/articles\/2019-lendkey-student-loan-refinance-review\/\"&gt;Lendkey Student Loan Refinance Review&lt;\/a&gt;&lt;\/p&gt;__TVE_SHORTCODE_RAW___<\/div><\/div>","tve_custom_css":"@import url(\"\/\/fonts.googleapis.com\/css?family=Poppins:400,500&subset=latin\");@media (min-width: 300px){[data-css=\"tve-u-18298c21bac\"] { --tve-toc-indent: 15px; 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