# EDGAR Filing Document

**Accession Number:** 0001642471
**File Stem:** 0001213900-26-016379
**Filing Date:** 2026-2
**Character Count:** 5941
**Document Hash:** 445f26bc128b17fa833bf030d6178eef
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-016379.hdr.sgml**: 20260213

**ACCESSION NUMBER**: 0001213900-26-016379

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20251231

**ITEM INFORMATION**: Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure

**FILED AS OF DATE**: 20260213

**DATE AS OF CHANGE**: 20260213

**ABS RULE**: RULE-15GA1

**PERIOD START**: 20250101

**ABS ASSET CLASS**: Student loans

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Education Loan Finance, Inc.
- **CENTRAL INDEX KEY:** 0001642471

**ORGANIZATION NAME:**
- **EIN:** 621586836
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01930
- **FILM NUMBER:** 26632242

**BUSINESS ADDRESS:**
- **STREET 1:** 12700 KINGSTON PIKE
- **CITY:** FARRAGUT
- **STATE:** TN
- **ZIP:** 37934
- **BUSINESS PHONE:** 8553356261

**MAIL ADDRESS:**
- **STREET 1:** 12700 KINGSTON PIKE
- **CITY:** FARRAGUT
- **STATE:** TN
- **ZIP:** 37934

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Educational Services of America, Inc.
- **DATE OF NAME CHANGE:** 20150514

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER REPORT PURSUANT TO**

**SECTION 15G OF THE SECURITIES EXCHANGE ACT OF 1934**

Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

<u>☒</u> Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period

 <u>January 1, 2025</u> to <u>December 31, 2025</u> 

Date of Report (Date of earliest event reported) <u>February 11, 2026</u> 

Commission File Number of securitizer: <u>025-01930</u> 

Central Index Key Number of securitizer: <u>000164-2471</u> 

John Arnold, Jr. (865) 824-3050

Name and telephone number, including area code, of the person to contact in connection with this filing.

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) ☐

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☒

☐ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: ____________________________

Education Loan Finance, Inc.<sup>1</sup>

(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): __________________

Central Index Key Number of underwriter (if applicable): ____________________<u> </u>

_______________________________________________________________________________________

Name and telephone number, including area code, of the person to contact in connection with this filing.

SEC 2860 (6-15) Potential persons who are to respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.

<sup>1</sup> Education Loan Finance, Inc. d/b/a ELFI ("ELFI"), as securitizer, is filing this Form ABS 15-G in respect of all unregistered asset-backed securities listed below for which it acted as sponsor. This filing also covers the activities of Edsouth Indenture No. 1, LLC, Edsouth Indenture No. 2, LLC, Edsouth Indenture No. 3, LLC, Edsouth Indenture No. 4, LLC, Edsouth Indenture No. 5, LLC, Edsouth Indenture No. 6, LLC, Edsouth Indenture No. 7, LLC, Edsouth Indenture No. 8, LLC, Edsouth Indenture No. 9, LLC, Edsouth Indenture No. 10, LLC, ELFI Graduate Loan Program 2018-A LLC, ELFI Graduate Loan Program 2019-A LLC, ELFI Graduate Loan Program 2020-A LLC, ELFI Graduate Loan Program 2021-A LLC, ELFI Graduate Loan Program 2022-A LLC, ELFI Graduate Loan Program 2023-A LLC and ELFI Graduate Loan Program 2024-A LLC, affiliated securitizers, during the applicable reporting period in their capacities as depositors.

**PART I – REPRESENTATION AND WARRANTY INFORMATION**

**Item 1.02 Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure**

Securitizer has no repurchase activity to report for the annual period pursuant to Rule 15Ga-1(c)(2).<sup>2</sup>

<sup>2</sup> In connection with the preparation of this filing, we undertook the following steps to gather the information required by this Form ABS-15G and Rule 15Ga-1: (i) identifying all asset-backed securities transactions in which we acted as a securitizer that were not the subject of a filing on Form ABS-15G by an affiliated securitizer, (ii) performing a diligent search of our records and the records of affiliates that acted as securitizers in our transactions for all relevant information, (iii) reviewing appropriate documentation from all relevant transactions to determine the parties responsible for enforcing representations and warranties, and any other parties to the transaction who might reasonably be expected to have received repurchase requests (such parties, "Demand Entities"), and (iv) making written request of each Demand Entity to provide any information in its possession regarding requests or demands to repurchase any loans for a breach of a representation or warranty with respect to any relevant transaction that was not previously provided to us.

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

<u>Education Loan Finance, Inc.</u> (Securitizer, Depositor or Underwriter)

Date <u>February 11, 2026</u>

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| | |
|:---|:---|
| /s/ John Arnold | (Signature)\* |
| John Arnold, CEO |  |

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\* Print name and title of the signing officer under his signature.