Earn a reduction in the principal balance of your loan and the Fire Your Financial Advisor Course ($799 Value) exclusively for being referred by White Coat Investor when you refinance your student loans with Elfi!

  • $550 for loans equal to or greater than $50,000*
  • $600 for loans equal to or greater than $100,000*
  • $750 for loans equal to or greater than $150,000*
  • $1,100 for loans equal to or greater than $200,000*

*Only one such bonus shall be paid per borrower regardless of how many loans taken out (please refer to their disclosure below.)


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Why Choose ELFI to Refinance Your Student Loans?

ELFI offers student loan refinancing and consolidation to both recent graduates as well as parents with Parent PLUS and private student loans. Education Loan Finance offers low rates even without the automatic payment discount that many lenders offer. Loan amounts start at $10,000 with no maximum and up for qualified borrowers with repayment terms of 5, 7, 10, 15, and 20 years. These wide range of options provide borrowers with the flexibility they need to choose the optimal product to fit their budgets. Those with high income may opt for a shorter repayment term, saving them money over time.

Some of the Lowest Rates Available
Elfi believes in rewarding financially responsible borrowers by providing some of the lowest refinancing rates available.

Expertise That’s Second to None
The ELFI management team has over 30 years of expertise in student loans and student loan refinancing.

Fast and Easy Process
Secure your personalized student loan or refinancing options in just a few short minutes.

Student Loan Advisors
ELFI has an award-winning customer service team that will guide you every step of the way.


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What ELFI Customers Say about Refinancing their Student Loans

“My loan officer was EXTREMELY prompt and quick to respond which helped me to get my loan application done quickly. I am very grateful for all the help.”

“Very easy qualifying/application process. Clear explanation of terms. Notices came quickly when documents were needed. Also, it’s amazing to know that this loan will finally one day be paid off.”

“My loan advisor was super helpful and quick to respond! My loan got approved very quickly.”


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ELFI Student Loan Refinancing Terms and Conditions


To begin the qualification process for the White Coat Investor sign-on bonus, customers must apply from the link provided on White Coat Investor. Customers who are approved for and close a loan will receive the bonus through a reduction in the principal balance of their Education Loan Finance loan when your loan has been disbursed. In order to receive this bonus, customers will be required to complete and submit a W9 form with all required documents. Taxes are the sole responsibility of the recipient. There is a limit of one bonus per borrower. This offer is not valid for current ELFI customers who refinance their existing ELFI loans, customers who have previously received a bonus, or with any other bonus offers received from ELFI via this or any other channel.