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We had some ups and downs with all the paperwork, but in the end all worked out and we were able to refinance our college loans into one loan. Erik and Didier really helps us a lot.
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Ryan Cooke handled my student loan refinance. He kept me up to date each step of the way and responded to emails in a timely manner. The process with ELFI was very easy.
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I didn't realize how much I was losing with my student loan, I applied for refinancing and was approved the same day with a third of the interest rate and my monthly payment almost cut in half! I am s... See more
Company replied
I worked with Stan Mitchell to refinance my loans from 10 years before, lowering my required payments and interest rates at a time when my income and credit score had improved quite a bit. I refinance... See more
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Company details
- #6 of 42 best companies in Debt Relief Service
- #30 of 205 best companies in Financial Consultant
About ELFI
Written by the company
Ready to refi?*
Use the quick links below.
* 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.
Contact info
United States
- (844) 601-3534
- answers@elfi.com
- www.elfi.com
4.9
Excellent
2K reviews
Erik was patient and most helpful…
Erik was patient and most helpful through the loan process.
Date of experience: June 24, 2025
Reply from ELFI
Hi Christa, thank you for sharing a 5-star review! We're so glad Erik was able to support you throughout the loan process. We appreciate you choosing ELFI.
Student Loan Refinance
Ryan Cooke handled my student loan refinance. He kept me up to date each step of the way and responded to emails in a timely manner. The process with ELFI was very easy.
Date of experience: June 17, 2025
Reply from ELFI
Hi Ben, thank you for your review! We’re so happy to hear you had a quick and easy application process and that your loan officer provided an amazing experience. We’re proud to make refinancing as smooth and supportive as possible.
Invited
We had some ups and downs with all the…
We had some ups and downs with all the paperwork, but in the end all worked out and we were able to refinance our college loans into one loan. Erik and Didier really helps us a lot.
Date of experience: June 16, 2025
Reply from ELFI
Hi Melyndie, thank you for sharing your experience! We’re glad everything worked out in the end and that Erik and Didier were able to support you through the process. Congrats on your refinance, and thank you for choosing ELFI!
Invited
Samuel Watson was very helpful and very…
Samuel Watson was very helpful and very patient with me in my struggle to get the requirements for the loan.
Date of experience: June 04, 2025
Reply from ELFI
Hi Brian, thank you for your review! We're glad Samuel was able to support you throughout the loan process. We appreciate you choosing ELFI!
Great service!
I am writing to express my sincere appreciation for Kait Zubli's exemplary customer service during my recent student loan refinancing experience. From start to finish, Kait was incredibly responsive, exceptionally knowledgeable, and unfailingly patient. She went above and beyond to find the best refinancing options tailored to my needs. Thanks to her dedication and expertise, my student loan refinancing process was smooth and stress-free. Thank you, Kait!
Date of experience: June 03, 2025
Reply from ELFI
Hi Vincent, thank you so much for taking the time to share your experience! We’re thrilled to hear that Kait provided such exceptional service during your student loan refinancing process. Congratulations on your successful refinance. Thank you again for choosing ELFI!
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I enjoyed the phone call
I enjoyed the phone call. I wish we had more of this today.
Date of experience: June 02, 2025
Reply from ELFI
Hi William, thank you for your review! We're glad you enjoyed the call and appreciate you sharing your experience with ELFI.
Great Customer Service
Erik Hill made the process simply and easy. He was able to help me lower my monthly payments and reduce my interest rate drastically. The ELFI team was very quick to respond to any questions I had come up.
Date of experience: May 19, 2025
Reply from ELFI
Hi Cameron, thank you for your review! We're so glad Erik was able to make the process simple and help you lower your payments and interest rate. We’re also happy to hear the ELFI team was responsive and supportive throughout. Congrats on your refinance!
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Stan Mitchell was phenomenal during…
Stan Mitchell was phenomenal during this experience. I had no worries or doubt along this process.
Date of experience: April 28, 2025
Reply from ELFI
Hi Shontinika, thank you for sharing your phenomenal experience with ELFI! We are so glad to hear Stan Mitchell made the process so easy and amazing for you!
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Easy to apply and great service!
Date of experience: April 16, 2025
Reply from ELFI
Hi Joao, thank you for sharing a five-star rating for ELFI! We are glad to hear you found it easy to apply and experienced great service from our team!
Invited
Erik was extremely helpful and made the…
Erik was extremely helpful and made the refinancing process simple and less intimidating. I am going to refer my brother to ELFI to help refinance his as well.
Date of experience: April 23, 2025
Reply from ELFI
Hi Reese, thank you for referring ELFI to help refinance! We are so glad to hear that Erik was extremely helpful and made the refinance process simple!
ELFI customer service = BEST IN CLASS
Refinancing with Elfi was super simple, and I’m glad I chose Elfi, most importantly - because their customer service is top-notch. Years after paying off my loans, Mohela changed their accounting systems, and my loans seemed to reappear magically - this was very stressful. But a specialty servicing coordinator, Morgan McWilliams, really helped me resolve the matter by proactively following up with Mohela for OVER A YEAR. Her dedication to advocating for my case and the support of Ivan Marcinko, Director of Operations, made me feel special and taken care of. Thank you so much for all your hard work and dedication!
Date of experience: April 30, 2025
Reply from ELFI
Hi Samuel, thank you for your incredible review! We’re so glad you chose ELFI and that our team could support you not just through refinancing, but even years later. It’s wonderful to hear that Morgan and Ivan provided such dedicated, ongoing service — we’re proud to have them on our team and grateful they could help resolve such a stressful situation. Your feedback means a lot!
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Jeremiah Simmons was an excellent help…
Jeremiah Simmons was an excellent help throughout the application process. He was concise and communicative.
Date of experience: April 24, 2025
Reply from ELFI
Hi Vaughn, thank you for sharing your great experience with ELFI and our servicing team! This is a great shout-out to Jeremiah for his concise and communicative help throughout your application process.
Invited
Quick and easy application process
Quick and easy application process. My loan officer was AMAZING!
Date of experience: April 06, 2025
Reply from ELFI
Hi Nicholas, thank you for your review! We’re so happy to hear you had a quick and easy application process and that your loan officer provided an amazing experience. We’re proud to make refinancing as smooth and supportive as possible.
Invited
Super easy experience
Refinancing my student loans was extremely easy and I got a fantastic rate. This is the second time I have used ELFI and once again they have proven to me that they are the best in the industry.
Date of experience: April 30, 2025
Reply from ELFI
Hi Evan, thank you for coming back to ELFI and for the kind words! We're thrilled to hear that the process was easy and that you secured a fantastic rate. It's great to know we've earned your trust a second time and continue to stand out in the industry.
Stan Mitchell and the ELFI experience
I worked with Stan Mitchell to refinance my loans from 10 years before, lowering my required payments and interest rates at a time when my income and credit score had improved quite a bit. I refinanced 60k and paid it down in 3 years; it wasn't easy! Afterward, I paid down all my Stafford Loans (an additional $25k) and got a mortgage on my first home, with 20% down. I really appreciate how Stan made the experience easier with all the documentation needed. He was responsive and helpful beyond the call of duty.
Date of experience: August 08, 2024
Reply from ELFI
Hi Nathan, thank you for sharing your journey with ELFI! We're so glad Stan was able to support you through refinancing and make the documentation process easier during such a pivotal financial time. Congrats on paying down your loans and purchasing your first home — that’s an incredible achievement, and we're honored to have played a small part in it.
So happy and relieved!
I didn't realize how much I was losing with my student loan, I applied for refinancing and was approved the same day with a third of the interest rate and my monthly payment almost cut in half! I am so relieved, my monthly payments before were a huge strain on me. I haven't gotten everything switched over yet so I can only review the process before the disbursement to my old lender, but so far it's been great. An employee (Stan) emailed me immediately and gave me genuine information and replies, rather than them having an auto generated email to applicants. I am super relieved and happy to have found ELFI.
Date of experience: April 08, 2025
Reply from ELFI
Hi Amanda, thank you for the thoughtful review! We're so glad you found ELFI and that refinancing helped lower your interest rate and monthly payment. It's great to hear that Stan provided clear, personal support throughout the process. We’re excited for you to experience the full benefit once everything is finalized and appreciate you sharing your journey so far.
Invited
Process was incredibly straightforward
Process was incredibly straightforward, and the customer service was EXTREMELY helpful. I will be recommending ElFi based on my experience
Date of experience: March 08, 2025
Reply from ELFI
Hi Ryan, thank you for the great feedback! We're so happy to hear the process was straightforward and that our customer service team was extremely helpful throughout. We truly appreciate the recommendation and are glad you had a smooth experience with ELFI.
Seamless experience from end-to-end
They had the best interest rate, which was the initial hook. Then, the whole process was quite seamless. I worked with someone named Stan who was extremely kind, communicative, and understanding. Would recommend ELFI to anyone looking to refinance their loans.
Date of experience: March 10, 2025
Reply from ELFI
Hi Trey, thank you for sharing your experience! We're thrilled to hear you found a great rate and that the process was seamless from start to finish. It's wonderful that Stan provided such kind and communicative support. We truly appreciate the recommendation and are glad ELFI could help.
Invited
It was very easy and fast to get the…
It was very easy and fast to get the loan set up
Date of experience: March 10, 2025
Reply from ELFI
Hi Kimberly, thank you for the review! We're glad to hear the loan setup process was easy and fast. Making refinancing simple and efficient is exactly what we aim for at ELFI.
Erik made the process simple and quick
Erik made the process simple and quick! I was able to refinance my student loans in a couple days and lower my interest rate by 2%! Very easy process that I would recommend everyone with loans look in to!
Date of experience: March 12, 2025
Reply from ELFI
Hi Liv, thank you for the kind words! We're so glad Erik helped make the process simple and quick, and that you were able to lower your interest rate by 2 percent. We appreciate the recommendation and are happy ELFI could support you in refinancing your student loans.
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