Lela Refi Higher Education Loan Program

Louisiana residents may be able to reduce their student loan payments with the new Lela RefiHELP (Higher Education Loan Program)SM. The Lela RefiHELP loans are serviced by Aspire Servicing Center and administered by Louisiana's statewide, nonprofit, public trust. The Louisiana Education Loan Authority (Lela) is committed to making higher education more accessible and affordable for the people of Louisiana.

Ready to Lower Your Loan Payment?

If you're paying high interest rates on your student loans, you may have limited options to lower those rates. The Lela RefiHELP loan was created for Louisiana residents who deserve the chance to refinance their student loan debt but have been unable to find a lender offering that option. This loan program:

  • Has fixed interest rates and no origination fees.
  • Offers three different repayment terms.
  • Features two different ways for you to reduce your interest rate.
  • Does not capitalize interest, meaning you may pay less throughout repayment.

Important Information About Federal Loans

Thinking about refinancing existing federal student loans into the Lela RefiHELP loan? 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.

Review these important details to learn more before refinancing federal student loans.

Apply Now

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

Loan Terms

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

Repayment Benefits

Learn how you can lower the interest rate during repayment by making on-time payments and having payments automatically withdrawn.


Call our friendly representatives toll free at (800) 228-4755 Monday through Thursday between 8:30 a.m. and 5:30 p.m. (Central time) and Friday between 8:30 a.m. and 5 p.m. (Central time) with any questions.

Follow us on Facebook  Follow us on Twitter

Contact Us | Privacy | Terms of Use | www.lela.org
6775 Vista Drive, West Des Moines, IA 50266-9305
Copyright ©1998-2019 Aspire Resources Inc.®