WE SPECIALIZE IN DELINQUENT AND DEFAULTED PRIVATE LOANS 

Student Loan Refinance For Struggling Borrowers

Lower your interest and reduce your total debt. Bad credit and struggling Borrowers welcome.

3-minute rate check without credit impact

Get monthly payments that fit your budget

Save thousands with your refinance

Call Today
(866) 816-7649

or fill out this form and an expert will
reach out to you shortly.

    Opt in to receive SMS text messages from Yrefy.

    By submitting your information, you agree to our Privacy and Communications Policy. By checking the box you consent to receive SMS messages from Yrefy for marketing purposes. Message frequency varies. For information reply “HELP”. To opt-out any time, reply STOP to any message we send. Message and data rates may apply.

    As featured in

    DEFAULTED AND DELINQUENT LOANS ACCEPTED

    Student Loan Refinance
    For Struggling Borrowers

    Lower your interest and reduce your total debt. Bad credit and struggling Borrowers welcome.

    3-minute rate check
    without credit impact

    Get monthly payments
    that fit your budget

    Save thousands with
    your refinance

    Call Today
    (866) 816-7649

    or fill out this form and an expert will
    reach out to you shortly.

      Opt in to receive SMS text messages from Yrefy.

      By submitting your information, you agree to our Privacy and Communications Policy. By checking the box you consent to receive SMS messages from Yrefy for marketing purposes. Message frequency varies. For information reply “HELP”. To opt-out any time, reply STOP to any message we send. Message and data rates may apply.

      As featured in

      Why Yrefy

      Customize your payments

      Build a repayment plan that works for you.

      Decrease your
      total cost

      You could save thousands
      with Yrefy.

      Low fixed
      interest rate

      No more variable payments, making budgeting easier.

      Bad credit
      accepted

      We work with Borrowers from all credit backgrounds.

      Lower Your Payments

      We work hard to give you low rates to help you pay off your debt faster.

      Chris A.

      $1,800

      Original Payment

      $1,041

      Yrefy Payment

      Charisse K.

      $2,000

      Original Payment

      $680

      Yrefy Payment

      Lower Your Payments

      We work hard to give you low rates to help you pay off your debt faster.

      Chris A.

      $1,800

      Original Payment

      $1,041

      Yrefy Payment

      Charisse K.

      $2,000

      Original Payment

      $680

      Yrefy Payment

      Low credit, no problem

      You’re more than just a number. A quick phone call could change your life.

      (866) 816-7649

      Low credit,
      no problem

      You’re more than just a number. A quick phone call could change your life.

      (888) 819-9556

      REFINANCE STUDENT LOANS

      Yrefy helps Borrowers in many ways

      CO-BORROWER RELEASE

      Making on-time payments can get your Co-Borrower released from the loan.

      SKIP PAYMENTS

      Skip payments once every six months, up to twelve times, without penalty.

      1 – 5.99% FIXED INTEREST

      Rates are not dependent on credit score. Call to find out what your rate might be.

      Success Stories

      Twiza

      Valerie

      Caitlin

      Get the FAQs on Student Loan Refinancing

      YES!  Yrefy is not your traditional lender, credit decisions are not made solely on credit score.  Yrefy understands that having delinquent or defaulted Private Education Loans can have a negative impact to your credit score.  Therefore, we look at other factors unique to each Borrower’s and Co-Borrower’s financial situation, we refinance Borrowers with low credit scores.

      • A fixed interest rate remains the same throughout the life of the loan. This means that once you refinance, your new loan interest will not change.
      • A variable interest rate may fluctuate over the life of the loan.

      100% of Yrefy Private Refinance Loans are fixed interest rate loans which means you get the same monthly payment for the duration of the loan.

      Yrefy works with Borrower’s and Co-Borrower’s with delinquent and defaulted Private Student Loan(s). Our goal is to help Borrowers and Co-Borrowers who fell behind, rebuild their credit, by paying off their defaulted loan(s). This establishes a positive credit position, as each payment is made on their new refinanced Private Student Loan.

      Yrefy offers a flexible lending refinance product to potential Borrowers based on the loan balance to be refinanced, each loan is custom tailored to fit your needs.

      Yrefy offer an assistance program called SKIP-12,  for Borrowers that are experiencing temporary hardship. Borrowers who qualify can skip one payment, every six months, for the life of the loan.

      You can pause payments, due to Military deployment. Yrefy will issue a forbearance based on the Military Lending Act. Borrowers may be granted forbearance in 12-month periods. There is no time limit for this forbearance but must be renewed annually.

      There are no prepayment penalties.

      Take control, refinance
      with Yrefy today!