Helping families plan & pay for college

Education Finance Council (EFC) is the national trade association representing nonprofit and state-agency student loan organizations. As state-based, nonprofit entities, EFC Members are driven by public-purpose missions to expand borrowers’ financial knowledge, prevent over-borrowing, and promote positive repayment behavior.

All EFC Members, as nonprofit, public-purpose organizations, strive to increase college access, success, and affordability in their states and nationwide, operating as loan servicers and supplemental loan originators while providing a wide array of college access and student success services and resources.

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EFC Featured Member


Headquartered in Knoxville, Tennessee, Edfinancial Services is your student loan servicer. Edfinancial Services provides customer service on behalf of your lender, including answering your questions, helping you with repayment plans, and processing your student loan payments.

Edfinancial Services has been in the student loan industry for over 25 years, and they strive every day to find a better way to deliver exceptional student loan servicing for students and families nationwide. It is their mission to do the right thing for their customers and each other.

nonprofit & State-based Refinancing Programs

Eleven EFC Members offer education refinancing loans.

These nonprofit and state-based education refinancing programs make education debt more manageable for families by providing a refinancing tool that consolidates high-interest rate education loans into a single loan, reducing monthly payments and, in many cases, overall debt burden.

Find a nonprofit. state-based refinancing program here.

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3/9/2017 » 3/10/2017
2017 EFC Annual Membership Meeting