Explore Refinancing Your Student Loans Today!

Pay less interest with fixed rates from 3.25% to 6.78% APR.1

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Lela Refi Higher Education Loan Program

Louisiana residents may be able to reduce their student loan payments and pay less interest with the new Lela RefiHELP (Higher Education Loan Program)SM. The Lela RefiHELP loans are serviced by Aspire Servicing Center and administered by the Louisiana Education Loan Authority (Lela).

Loan Terms

Review the eligibility criteria and the Lela RefiHELP loan options. View now.

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Are you a Louisiana resident? If yes, you may start your application for the Lela RefiHELP loan.


Call us toll free at (800) 228-4755 Monday through Friday between 8:30 a.m. and 5 p.m. (Central time).

Why Choose Lela?

Partner with a nonprofit and help Louisiana thrive. Lela is a division of the Louisiana Public Facilities Authority (LPFA), a nonprofit public trust established to bring financing assistance and advantages to the people of Louisiana. Together, Lela and the LPFA are committed to making Louisiana a better place to live, work and raise families by furthering education, healthcare, economic development and job creation in the state. Since 1974, the LPFA has issued more than $27 billion in bonds to finance more than 670 projects and programs that benefit Louisiana. Over the years, LPFA has helped to generate more than 327,110 jobs in Louisiana!

Before You Refinance Any Federal Loans

If you choose to refinance federal loans, you may be forfeiting important benefits. Be sure you understand what important federal loan benefits you may lose before applying.

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1Annual percentage rates (APRs) assume you are enrolled in and maintain auto-debit payments from the date of origination. Enrolling in auto-debit results in a 0.25% interest rate reduction. Without enrolling in auto-debit, the rate will range from 3.50% APR to 7.03% APR. Not all borrowers receive the lowest rate. If you are approved for a loan, the rate offered will depend on your credit profile and the term you select and will be within the ranges shown above assuming the auto-debit interest rate reduction applies.

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