Specializing in Delinquent and Defaulted Student Loans
Student Loan Refinancing for Struggling Borrowers
Lower your interest rate and reduce your total debt. Bad credit and struggling borrowers welcome at Yrefy.
Talk to a loan specialist
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
Real story. Real results.
All because of one phone call.
Sarah cut her payment
from $1,500 to $716 -
and then had a baby.
Why Yrefy?
Customize your payments
Build a repayment plan that works for you. We offer flexible terms and income-driven repayment options.
Decrease your total cost
You could save thousands with Yrefy. By lowering your interest rate and shortening your repayment term, you may significantly reduce the total interest paid over the life of your loan.
Low fixed interest rate
No more variable payments, making budgeting easier. Yrefy offers all borrowers a fixed interest rate of 0.1 - 5.99% to help you maintain and manage your finances.
Bad credit accepted
We work with borrowers from all credit backgrounds. We help borrowers that are struggling to make their current payments, are in delinquency, or default.
See if you qualify for refinancing
Apply for student loan refinancing
See How Much Our Borrowers Save
We don't just refinance your student loan, we restructure your loan. Our interest rates are based on the repayment terms you select. A 3-year term will provide you with a lower fixed rate than a 10-year term, but the payment will be higher on a shorter term vs a longer term.
Decreased monthly payments
We lower your interest rate in most cases and through the lower interest rate and new terms, typically you will receive a lower monthly payment.
Pay off faster
By changing your loan terms and getting a lower interest rate, it is possible to pay off your student loan faster with Yrefy.
Customer service
We maintain excellent person-to-person service. There are no AI bots or automated systems when working on your refinance. Just a team of highly experienced professionals who understand difficult financial situations.
Low Credit? No Problem
We believe your degree should be a ladder, not a shackle. Our proprietary underwriting looks at your income potential and reliability, not just your credit (FICO) score like other lenders.
Bad or no credit
We specialize in working with default and delinquent student loans.
Income-based payment plans
We offer affordable income-based repayment plans for our private student loan refinancing.
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.
