Empowering Our Members to
Achieve Financial Stability

Our "Mission" is to provide relief to borrowers and co-borrowers burdened by defaulted private student loans while offering a unique investment opportunity to accredited investors who believe and support our vision.

The Yrefy Vision & Values

Student loan debt isn’t just a number, it’s the barrier between someone and their ability to buy a home, start a family, or simply sleep at night without anxiety. For our investors, vision means seeing the opportunity to generate potentially strong returns while genuinely helping people rebuild their lives.

Compassion

Our borrowers often call us at their lowest point, so we treat every conversation as if we’re speaking to a family member who needs help. We never judge credit histories, financial mistakes, or make someone feel bad for needing help.

Innovation

We don’t accept “that’s how it’s always done”. We created a new approach to student loan refinancing that fills a gap in the market.

Excellence

We hold ourselves to the highest standard because our borrowers deserve nothing less. It means meticulous attention to every application, every conversation, every relationship.

Integrity

We don’t promise what we can’t deliver, never hide behind fine print, and never mislead borrowers about timelines or credit impacts. We’re upfront with borrowers and tell them when another solution might serve them better, even if it means they don’t refinance with us.

Respect

We honor the dignity of every person we serve, regardless of their financial situation. We know life happens, and that good people can end up in bad financial situations.

Teamwork

We succeed together: borrowers, investors, and the Yrefy team. We are advocates working alongside our borrowers, not as lenders working above them, and investors partner with us in that shared mission.

Our Story?

Yrefy® (pronounced why-refi) Yrefy was established in 2017 by a student loan industry professional to create both an opportunity to help distressed private student loan borrowers and a consistent investment opportunity for qualified investors. Yrefy has developed a prudent solution to address the student loan crisis at a time when student debt is overwhelming America’s young adults.

Yrefy’s approach fills a gap in the marketplace and provides strong returns to investors. As the first student loan company of its kind, Yrefy has a significant edge over future competitors. Long-standing and expanding relationships with traditional private student loan lenders ensure solid growth in the future.

Yrefy has gained a reputation for excellence because of the company’s extensive experience in finance, processing, sales, and underwriting. The management team has a combined 250+ years of experience in the industry and is proud to be consistently innovating and staying ahead of the competition.