Student loan refinance rates have started dropping a little in light of the Fed rate cut. As of November 6, 2025, student loan refinance lenders are offering fixed rates as low as 3.99% APR and ...

ELFI sets up all customers with a one-on-one session with a student loan advisor, and with more than 2,200 reviews, the company has a 4.9 rating (out of 5 stars) on Trustpilot — the highest of any ...