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


Goal Structured Solutions, Inc. (GS2) is an award-winning, values guided, employee owned, education finance asset management company providing a comprehensive array of products and services, including: trust administration, portfolio management, loan performance analytics and capital markets advisory services to the education finance marketplace.

GS2’s clients include schools, investors, banks, and hedge funds who seek to more effectively manage their returns, asset performance and compliance. GS2 currently manages over $25 billion of private and federally-guaranteed student loans for their clients and partners. In addition to providing services, GS2 has deployed over $97 million of capital in acquiring over $3 billion of performing and non-performing loan portfolios. GS2 is a licensed debt buyer and debt collector and uses its over $40 billion student loan performance database to analyze value, acquire and manage portfolios. 

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.

EFC in the News more

11/26/2016Delaware State News



Calendar more

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