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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

~~SECURITIES~~FORM ~~AND~~8-K CURRENT ~~EXCHANGE COMMISSION~~REPORT

~~Washington,~~Pursuant ~~D.C.~~to ~~20549~~Section 13 or 15(d) of the Securities Exchange Act of 1934

~~FORM~~Date ~~8-K~~of Report: January 14, 2005

~~CURRENT~~GCO ~~REPORT~~EDUCATION LOAN FUNDING TRUST-I (Exact name of co-registrant as specified in its charter)

~~Pursuant~~Delaware to(State ~~Section 13~~ or 15other jurisdiction of incorporation) 333-102760 (dCommission File Number) of51-6535786 ~~the~~(IRS Employer Identification Number)

~~Securities~~c/o ~~Exchange~~Wilmington ~~Act~~Trust Company, Rodney Square North, 1100 N. Market St., Wilmington, DE 19890-0001 (Address of ~~1934~~Principal Executive Offices) (Zip Code) Co-Registrant's telephone number, including area code: (203) 975-6112 Not Applicable (Former name or former address, if changed since last report) GCO ELF LLC (Exact name of co-registrant as specified in its charter)

~~Date~~Delaware (State or other jurisdiction of ~~Report: December 15,~~incorporation) ~~2004~~333-102760-01 (Commission File Number) 22-3891807 (IRS Employer Identification Number)

~~GCO~~152 ~~EDUCATION~~West ~~LOAN~~57th ~~FUNDING~~Street, ~~TRUST~~60th Floor, New York, NY 10019 (Address of Principal Executive Offices) (Zip Code) Co-IRegistrant's telephone number, including area code: (212) 649-7000 Not Applicable (Former name or former address, if changed since last report)

(Exact name of co-registrant as specified in its charter)

Delaware	333-102760	51-6535786
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification Number)
c/o Wilmington Trust Company, Rodney Square North, 1100 N. Market St., Wilmington, DE 19890-0001
(Address of Principal Executive Offices) (Zip Code)

Co-Registrant’s telephone number, including area code: (203) 975-6112

Not Applicable

(Former name or former address, if changed since last report)

GCO ELF LLC

(Exact name of co-registrant as specified in its charter)

Delaware		333-102760-01		22-3891807
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification Number)

152 West 57th Street, 60th Floor, New York, NY 10019

(Address of Principal Executive Offices) (Zip Code)

Co-Registrant’s telephone number, including area code: (212) 649-7000

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

o: Written communications pursuant to Rule 425 under the Securities Act
o: Soliciting material pursuant to Rule 14a-12 under the Exchange Act
o: Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act
o: Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act

o ~~Written~~ ~~communications~~ Item ~~pursuant~~8.01. toOther ~~Rule 425 under the Securities Act~~Events.

o On January 14, 2005, GCO Education Loan Funding Trust-I (the "Trust") distributed the Noteholders' Statement, attached to this report as ~~Soliciting~~Exhibit 99.1, ~~material~~to ~~pursuant~~the trustee, Zions First National Bank, for distribution to ~~Rule~~Noteholders ~~14a-12~~of ~~under~~record. The Noteholders' Statement reflects the ~~Exchange~~Trust's ~~Act~~activities for the period ending December 31, 2004, including a statistical summary of the delinquency and default characteristics of the Trust's student loan portfolio as of such date.

o ~~Pre-commencement~~ ~~communications~~ Item ~~pursuant~~9.01. toFinancial ~~Rule~~Statements ~~14d-2(b)~~and ~~under the Exchange Act~~Exhibits.

(c): Exhibits.

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act

24.1		Power of attorney(1)
99.1		December 31, 2004 Statement to Noteholders

(1): Incorporated by reference to Exhibit 24.2 to the Co-Registrants Registration Statement on Form S-3, Registration No. 333-102760, filed January 28, 2003.

~~Item~~ ~~8.01.~~ ~~Other Events.~~ SIGNATURES

On Pursuant ~~December 15, 2004,~~to ~~GCO Education Loan Funding Trust-I (~~the ~~“Trust”)~~requirements ~~distributed~~of the ~~Noteholders’~~ ~~Statement,~~Securities ~~attached~~Exchange toAct ~~this~~of ~~report as Exhibit 99.1~~1934, to the ~~trustee,~~ ~~Zions~~Co-Registrant ~~First~~has ~~National~~duly ~~Bank,~~caused ~~for~~this ~~distribution~~report to ~~Noteholders~~be ~~of record. The~~signed ~~Noteholders’~~on ~~Statement reflects~~its ~~the~~behalf ~~Trust’s~~by ~~activities for~~ the ~~period ending November 30, 2004,~~ ~~including~~undersigned ahereunto ~~statistical~~duly ~~summary of the delinquency and default characteristics of the Trust’s student loan portfolio as of such date~~authorized.

Item 9.01. Financial Statements and Exhibits.

	GCO EDUCATION LOAN FUNDING TRUST-I
	By: GCO ELF LLC, as attorney-in-fact of the Co-Registrant
Date: January 20, 2005	By:	/s/ KENNETH C. ROGOZINSKI Kenneth C. Rogozinski, Vice President

~~(c)~~ ~~Exhibits.~~ SIGNATURES

24.1	Power of attorney (1)
99.1	November 30, 2004 Statement to Noteholders

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

(1) Incorporated by reference to Exhibit 24.2 to the Co-Registrants Registration Statement on Form S-3, Registration No. 333-102760, filed January 28, 2003.

	GCO ELF LLC
Date: January 20, 2005	By:		/s/ KENNETH C. ROGOZINSKI Kenneth C. Rogozinski, Vice President

2 EXHIBIT INDEX

SIGNATURES

Exhibit No.		Description
24.1		Power of attorney(1)
99.1		December 31, 2004 Statement to Noteholders

(1): Incorporated by reference to Exhibit 24.2 to the Co-Registrants Registration Statement on Form S-3, Registration No. 333-102760, filed January 28, 2003.

~~Pursuant to the requirements of the Securities Exchange Act of 1934, the Co-Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.~~QuickLinks

Item 8.01. Other Events.

Item 9.01. Financial Statements and Exhibits.

SIGNATURES
SIGNATURES
EXHIBIT INDEX

	GCO EDUCATION LOAN FUNDING TRUST-I
	By: GCO ELF LLC, as attorney-in-fact of the Co- Registrant
Date: December 29, 2004	By:	/s/ Kenneth C. Rogozinski
		Kenneth C. Rogozinski,
		Vice President

SIGNATURES

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

	GCO ELF LLC
Date: December 29, 2004	By:	/s/ Kenneth C. Rogozinski
		Kenneth C. Rogozinski,
		Vice President

EXHIBIT INDEX

Exhibit No.		Description
24.1		Power of attorney (1)
99.1		November 30, 2004 Statement to Noteholders

(1) Incorporated by reference to Exhibit 24.2 to the Co-Registrants Registration Statement on Form S-3, Registration No. 333-102760, filed January 28, 2003.

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