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Educational loans. The Educational Loan Company (ELC) is dedicated to providing discounted educational loan products. At the same time, delivering a high level of one-on-one counseling to its borrowers. With today's overwhelming and ever increasing college costs, more and more families are borrowing funds to help pay for their student's educational needs. ELC understands that many students and parents are unaware of the advantages and benefits offered with these federal educational loan programs. Through one-on-one counseling, ELC's loan specialists help their customers to understand all the different options available through these Congressionally-backed federal loan programs. Federal Consolidation Loan.
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Pretty girl is a student. Student loan consolidation. Fixed rates as low as 1.375%. Reduce monthly payments by 70%. No credit history check required. 1% discount for 24 On-Time payments. No pre-payment penalties. Educational Loan Company (ELC).
Pretty girl is a student. Student loan consolidation. Fixed rates as low as 1.375%. Reduce monthly payments by 70%. No credit history check required. 1% discount for 24 On-Time payments. No pre-payment penalties. Educational Loan Company (ELC).

Welcome to the Educational Loan Company!

ELC is a Leader in providing Discounted Student Loan Programs.

Student Interest Rates Hit All-Time Record Lows.

The Educational Loan Company offers you the opportunity of receiving a free consultation with one of our Educational Loan Specialists by calling (800) 334-2803.

Consolidation.

Former students can consolidate all of their current outstanding federal loans into one, much more convenient and much smaller monthly payment. Rates as low as 1.375%, after applied benefits.

Fixed Rates as Low as 1.375% after applied benefits

1.00% 24 Payment Feature. Borrowers with more than $20,000 in loans, receive a 1.00% Interest Rate Reduction after their first 24 consecutive on-time payments as required to be continued for the life of the loan.

0.50% Auto-Debit Feature (optional). Borrowers receive an immediate .50% Interest Rate Reduction for signing up to have their monthly payments automatically drawn from their checking account.

FACT: This is a U.S. Department of Education Program. That being stated, borrowers receive the exact same interest rate no matter which company they choose. Therefore, borrowers want to select that company that offers the best benefits package.

0.60% Grace Period Discount. Borrowers that are in Grace currently have 0.60% Rate Reduction off of their normal repayment interest rates. This discounted Grace rate will be used in the calculation of their new fixed rate!


Loans comparison chart.
Loans comparison chart.

Stafford Loans

Students can borrow low, simple interest, government-guaranteed loans that they do not need to begin repaying until 6 months after they graduate. The current Stafford in-school rate equals 2.82%!

The Educational Loan Company offers Federal Stafford Loans to students attending eligible post-secondary institutions. ELC is currently offering historic low interest rates of 2.82% (In-School).

Students can borrow money and not worry about paying back their loans until 6 months after they graduate. Maximum yearly limits are as follows:

Maximum yearly limits
Year Dependent Independent
Freshman $2,625 $6,625
Sophomore $3,500 $7,500
Junior $5,500 $10,500
Senior $5,500 $10,500
5th Year $5,500 $10,500
Graduate n/a $18,500
Medical n/a $38,500
There are no credit check requirements. Students are automatically eligible for Stafford loan monies when they complete the FAFSA, Free Application for Federal Student Aid.

Plus

Parents can borrow low, simple interest, government-guaranteed loans that spread the cost over 10 years. Parents can borrow up to the cost of college, less financial aid received. ELC's new rate is 4.22%!

ELC offers Federal PLUS Loans to parents of undergraduate students attending eligible post-secondary institutions. ELC is currently offering historic low interest rates of 4.22%!

Parents can borrow up to the cost of college, less financial aid (grants, scholarships, loans and work-study) their student receives. Parents do not begin repayment until 30-60 days after the last disbursement of funds to the school, which usually takes place in February or March (for schools that operate on semesters).

The PLUS loan is based on minimum federal credit requirements. To be eligible, a parent cannot have any bankruptcies, tax liens and/or foreclosures in the last 5 years or be more than 90 days late on any current monthly payment obligations.

ELC offers free consultations 12 hours a day, 7 days a week. Call free: (800)334-2803 9:00 AM - 9:00 PM (EST) Monday - Sunday. Or even better, visit our website.

FACT # 1: This is a federal program. That being stated, borrowers receive the same interest rate no matter which lender they choose, therefore borrowers want to select the lender that offers the best benefits package. ELC offers the best benefits package for Consolidations in the industry.

FACT # 2: ELC is an authorized lender. ELC's FFELP Lender Code is 834003. Several companies that advertise on the web are not lenders. They are marketing companies. These so-called "paper-mills" simply sell your application to actual lenders. When you choose ELC, you are choosing a lender, not a "middle-man".

You are welcome to get:
1.375 % Student Loan Consolidation, Reduce Monthly Payments up to 70% - Fill out a form with valid contact information for Federal Consolidation Loan. This is a federal program. That being stated, borrowers receive the same interest rate no matter which lender they choose, therefore borrowers want to select the lender that offers the best benefits package. ELC offers the best benefits package for Consolidations in the industry.

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