Specializing in Delinquent and Defaulted Student Loans
Nationally Endorsed by Dave Ramsey
Yrefy is one of the only student loan lenders endorsed by the Dave Ramsey Show. We work with student loan borrowers who are in delinquency or default.
3-Minute rate check without credit impact
Get monthly payments that fit your budget
Save thousands with your refinance
3-Minute rate check without credit impact
Get monthly payments that fit your budget
Save thousands with your refinance
How Refinancing with Yrefy Works
Four simple steps to transform your student loan debt into a manageable financial plan and help you plan for the future.
Call us or apply online
Fill out our simple inquiry form or call us. Our secure online application takes less than one minute to complete or call us and speak to one of our loan specialists today.
Speak with a specialist
Every borrower who works with Yrefy gets a personal, dedicated loan advisor who understands the complexities of restructuring student loan debt.
Start qualification
Starting the Yrefy qualification process is simple and takes just a few minutes. We collect some information about you and your loan to access your qualification status.
Get out of debt
Once approved and you accept your new interest rate and terms, we will then fund your low fixed interest rate student loan helping you save more money each month.
What Can You Do With The Extra Savings?
Many of our borrowers have saved hundreds per month or thousands off their total student loan repayment amount. This is possible due to the low fixed interest rates Yrefy provides to its borrowers.
Pay Off High Interest Credit Cards
Part of Dave Ramsey's teachings is to become debt-free and pay off credit card balances with higher interest rates and fees.
Buy a House
Dave Ramsey advocates that a home is a primary wealth-building tool, but only when purchased responsibly to avoid becoming "house poor".
Start a Family
Starting a new family is a life-changing event. In a recent Yrefy survey, 70.6% of our subscribers reported that financial stress prevents them from planning for the future. Learn more
Buy a Car
When a borrower refinances with Yrefy, the savings can be equivalent to a car payment each month. Call us today to discuss refinance options and check out the Yrefy student loan refinance calculator to see how much you can save.
See if you qualify for refinancing
Apply for student loan refinancing
Bad Credit? No Problem
Your college degree should be a stepping stone to advance your career and increase your earning potential. Your student loans shouldn’t hold you back from living life.
Bad or no credit
If you have bad credit or no credit, we look past your credit score. Most lenders focus on your credit score and other factors to refinance your student loan. We specialize in working with borrowers who are struggling, have bad or no credit, so call us today.
Income-based payment plans
The Yrefy low interest rates and terms enable us to help provide income-based payment plans when you refinance your student loan with us.
Co-borrower release
Making on-time payments can get your co-borrower released from the loan.
Bad credit shouldn't stop you
from getting financial relief.
We work with borrowers of all credit backgrounds to find flexible
refinancing solutions with affordable monthly payments.
Talk to a Person
Real Borrowers Real Financial Relief
Hear from borrowers that regained their financial freedom with Yrefy.
