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Refi Programs
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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. The programs are listed alphabetically by state.

Alaska:

Connecticut:

Iowa:

Kentucky:

Louisiana:

Massachusetts:

Minnesota:

New Hampshire:

New Jersey:

Rhode Island:

South Carolina: