ELFI Student Loan Refinance
ELFI
Expert VerdictELFI 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 | Cons |
|---|---|
| Among lowest APRs in the market | $10,000 minimum refinance amount |
| Dedicated personal loan advisor | 680+ credit score required |
| No origination or application fees | 2-3 day approval (not instant) |
| Both fixed and variable rates |
Honest take
ELFI rate is among the best. The personal advisor touch is a genuine differentiator — you talk to a human, not a chatbot. But the $10K minimum and 680 score floor exclude some borrowers.
Education Loan Finance offers competitive student loan refinancing with dedicated personal loan advisors.
