Consolidating student loans with spouse

Forbearance is at the discretion of Education Loan Finance.

No, you don’t have to refinance or consolidate all of your student loans at once.

We offer both fixed and variable interest rates on our loans.

ELFI is designed to assist borrowers through consolidating and refinancing loans into one single loan that effectively lowers your cost of education debt and/or makes repayment very simple.

During the application process, you will be asked to indicate the dollar amount and number of loans you want to refinance.

If approved, Education Loan Finance will only pay off the loans you indicate.

During prequalification, to provide you with preliminary rates and terms that you may qualify for, Education Loan Finance will perform a “soft credit inquiry.” A soft credit inquiry will not affect your credit score.

However, once you choose your loan product and submit an application, Education Loan Finance will request to view your full credit report, which will show up as a hard credit inquiry.

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