Loan program / direct providerNo compensation relationship
ELFI student-loan research profile
Education Loan Finance program covering private student lending and refinancing. This profile organizes public information; it does not quote a rate, predict eligibility, or recommend a universal winner.
Verified September 11, 20262 official sourcesTerms can change
Evidence ledger
Public terms, normalized.
“Not disclosed” means we did not find a clear statement in the reviewed primary source. It never means zero or unavailable.
| Field | What the reviewed source says | Evidence |
|---|---|---|
| Provider model | Loan program / direct provider | Undergraduate loans → |
| Published product types | Undergraduate, Graduate, Parent, Professional, Refinance | Undergraduate loans → |
| Rate types | Fixed and Variable | Undergraduate loans → |
| Published repayment terms | 5–15 years | Undergraduate loans → |
| Fees | No application or origination fees and no prepayment penalty on cited materials. | Undergraduate loans → |
| Cosigner release | The cited cosigner policy states that cosigner release is not available. | Cosigner policy → |
| Independent borrowing | Possible if the borrower independently qualifies. | Undergraduate loans → |
| International borrowers | Cited materials require U.S. citizenship or permanent residency. | Undergraduate loans → |
| Soft rate check | Published as available; a completed application may have a different credit-inquiry step. | Undergraduate loans → |
| Hardship support | Individualized assistance may be possible; no standardized public entitlement was located. | Undergraduate loans → |
| Loan limits | $1,000 minimum; maximum depends on certified need and product terms. | Undergraduate loans → |
What requires live verification
Current APR, personalized offers, approval, school and state availability, discounts, and final product eligibility must be confirmed directly with ELFI. College Loan Finder has no compensation relationship with this provider as of September 11, 2026.
Primary sources
Sources were checked during the September 11, 2026 review. Provider terms and federal rules can change.