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These inquiries are common among lenders and necessary for Education Loan Finance to make final rate and product offers.
If you have limited credit history and income, a cosigner with a good credit history can improve your chances of obtaining a student loan refinance.
We recommend you check out our blog post about what actions you should take before applying.
To process your application, we will need copies of your most recent billing statements or payoff letters from each of your student loan servicers showing the following information: Name Account Number Current balance or payoff amounts Payment mailing address Please note that each statement should not be older than 30 days.
Variable interest rates are subject to change and will fluctuate based on the LIBOR index.
If you are unable to repay the loan because of financial hardship or medical difficulty, Education Loan Finance may grant forbearance for up to 12 months.
Education Loan Finance offers both fixed and variable interest rates.
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.Potentially, some additional documents may be required depending on the source of your income or your cosigner’s income.Your ELFI Personal Loan Advisor will contact you with details should this be the case.You don't have to pay for student loan services or advice.Our expert representatives have access to your latest student loan information and understand all of your options.
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Forbearance is at the discretion of Education Loan Finance.