• MUST BE a US citizen or permanent resident
• MUST BE a college junior, college senior, or grad student
• No co-signer required
• Get approved in minutes. Pre-qualify without affecting your credit score
• Income-based repayment with built-in protections, like deferred payments if you lose your job

• Prequalification: Prequalify to estimate your rate without affecting your credit score
• Online Application Process: Submit online application in minutes
• Flexible Repayment Options: ELFI offers immediate, interest only, partial payment, and fully deferred repayment options
• No Fees: No application fees, origination fees, or prepayment penalties
• Low Rates: Fixed rates from 3.20% to 11.99% and variable rates from 1.30% - 11.52%
• Award winning Customer Service: Individually paired Student Loan Advisor to guide you through the application process

• Variable: 1.26% - 10.40% APR (with auto debit discount) Fixed: 3.34% - 11.68% APR (with auto debit discount)¹
• Multiple Loan Terms
• Auto Debit Savings²
• Easy Cosigning and Cosigner Release³
• Flexible Repayment Options
• No Origination Fees
• Member FDIC

Lowest rates listed above include an interest rate reduction for eligible applications, enrollment in auto debit, and are available only to the most creditworthy applicants. Advertised variable rates reflect the starting range of rates and may increase over the life of the loan. [See Disclaimer]

• Variable Rates: Starting variable rates range from 1.69% APR - 11.97% APR (with autopay)^*, and will never exceed 13.95% (sometimes lower in certain states as required by law)
• Fixed Rates: Fixed rates range from 3.47% APR to 11.16% APR (with autopay)^*
• Easy online application!
• No origination fees, late fees, and no insufficient fund fees. Period
• Up to four repayment types (including no payments while in school) and multiple repayment terms help you find the loan that fits your budget
• 0.25% discount when you set up autopay^*

• AFFORDABLE variable rates starting at 1.64% APR with Automatic Debit Discount*
• 1% CASH BACK Graduation Reward*
• NON-COSIGNED option may be available for eligible undergraduate juniors and seniors.
• PAY AFTER LEAVING SCHOOL – Customize your loan with flexible repayment options – start payments after graduation.
• FORGET FEES – No application, origination or disbursement fees. No prepayment penalty if you choose to pay your loan off early.
• COVER UP TO 100% of your tuition and eligible living expenses.

• Up to $15,000 per academic year with no cosigner required
• Fixed Rates (APR) from 7.99% to 12.49% (plus an additional 0.5% discount for ACH auto-payments)^*
• No origination fee. No late payment fees. No prepayment penalties.
• Quick prequalification and rate check that won’t impact your credit
• Multiple repayment options
• Dedicated loan officer for every borrower

• Variable rates as low as 1.34% APR¹; Fixed rates as low as 2.99% APR¹
• Rates include 0.50% automated payment discount^{1, 2}
• Displayed rates are for well-qualified applicants who choose the immediate repayment option at a 5-year term¹
• 5, 10 or 15-year repayment terms available (rates may vary)¹
• No application fees or origination fees.
• An easy student loan application with a preliminary decision in minutes.
• Cosigner Release option available.³
• Get the money you need for tuition, room and board, books and other expenses.
• Applying with a creditworthy cosigner may increase chances of approval.

• No accruing interest!¹
• Payments based on a fixed percentage of future income
• Lower (or no) payments when you're unemployed or underemployed.
• Innovative alternative to traditional student loans.
• Grace period after graduation before payments begin.
• Pause payments for certain life events.

• Variable rate line of credit option allows you to apply once and secure funding for your entire college career.*
• Variable rates as low as 1.99% APR¹; Fixed rates as low as 3.49% APR²
• Personalized 1:1 support at every step of the lending process.
• In-school deferment option
• 15-, 20-, and 25-year repayment terms available^◊
• Cover any school-certified costs including tuition, housing, and books.