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Thank you for your interest in applying with EFSI, one of the nation's premier not-for-profit student loan lenders. You are clicks away from starting the loan process. To start, please select from the categories below:
Stafford Loan
Click to complete a Stafford Loan Promissory Note
Complete Stafford Loan Master Promissory Note (MPN).Sign electronically using your Department of Education PIN or print online)
Parent PLUS
Click to obtain PLUS loan preapproval
Parent Loan for Undergrad Students (PLUS) (Complete PLUS application online based on your institution's participation.)
GradPLUS
Begin Grad PLUS Preapproval
Graduate students can borrow PLUS to supplement their subsidized and unsubsidized Stafford Loans.
 

Effective 3/24/2008, EFSI has suspended the funding of Federal Loans.
As a result, we cannot accept your loan application at this time.

Please contact your school’s Financial Aid Office
for assistance in selecting another Lender
 

If you need assistance with additional funds for school, EFSI may be able to help you with a Private Loan. If you are interested in learning more and/or applying for a Private Loan, click here.


More Aid
Private loans help students who find that the financial aid package offered by the school is just not enough. Alternative or private loans are loans designed to meet the "gap" between the financial aid package from the school, and the actual cost of attending that school.

PRIVATE LOANS
FOCUS CONSUMER EDUCATION LOAN
The money you need is closer than you think. The FOCUS Consumer Education Loan offers a simple way to cover your unmet education costs. Benefits include competitive rates, instant credit decisions and low monthly payments.
LEARN MORE APPLY NOW
The CampusDoor Education Loan
For many students and their families, the CampusDoor Education Loan provides a simple solution for low-stress, no-hassle student loans. CampusDoor's online application is a 3-step process that gets you an answer in about a minute, so you can get on with your life.
LEARN MORE APPLY NOW
SMART START K-12 LOAN  
With the Smart START K-12 Loan, you can borrow to help pay for your child's private elementary or secondary school education. Borrow annually up to $20,000.
LEARN MORE APPLY NOW
Smart START College Loans
 
Smart START also has loans for Undergraduate students, Graduate students and Continuing Education students, as well as a Health Professions Loan, all of which offer competitive interest rates, no application fees or other out-of-pocket fees and funding in as few as 5 business days from receipt of completed application.
LEARN MORE
EXISTING LOANS - EXTENDED REPAYMENT
Extended Repayment
While EFSI has temporarily suspended its funding of traditional consolidation loans, borrowers can still lower their monthly payments with an Extended Repayment Plan.
LEARN MORE

Loan Counseling
If your college is one of the participating schools in our Online Program, we encourage you to use our online counseling interviews to satisfy federal or state requirements for entrance and exit counseling. Even if your college is not a participant, our entrance/exit counseling can be an instructive resource for making responsible decisions about student borrowing.
Click to Learn More
EFSI - Lending for Learning
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