Education Loan Finance, also known as ELFI, is a division of SouthEast Bank based in Knoxville, Tennessee. Launched in December 2015, ELFI is a national private lending company that refinances graduate and undergraduate student loan debt. In 2016, the company introduced a state-of-the-art loan application system, designed for borrowers to consolidate outstanding education loans into one single loan. By January 2020, the company completed over $1 billion in student loan refinancing.