Leah's Testimonial & Story
Lower your interest rate, reduce your monthly payment and your total debt. We look past the credit score to help you find stability. Bad credit is welcome at Yrefy.
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Interest Rate
Interest rate dropped from 11.15% to 3.65% APR
Monthly Payment
Monthly payment dropped from $1,389 to $1,354 per month
Loan Term
Loan term dropped from 164 to 120 months
Her Story
I am Leia Gibson and I work with Yrefy. They helped me have a peace of mind with my private student loans.
I went to two universities. I first started at Temple University in Japan, and then I finished off at Sam Houston State University in Texas.
The private student loan was over $100K. It was stressful.
Yrefy has refinanced borrowers with over $200K in debt.
Even when I came back, I explained to them that I'm not finished with school.
You know, sometimes life happens so I was ready to come back to America. They just told me, “Oh, you can use your forbearance. You got 12 months!”. So of course it [my loan] accrued more & more interest, and put me in a bind.
I even told them I'm not finished yet I'm going back, I'm just transitioning back to American life. Even my manager told me, “I need you to take a break” …but I'm like, “I can't I got to pay my student loans”.
“I worked seven days a week (to pay student loans)” – Leah
I would work there 7 days a week. There was a time I worked 46 days straight. I'm like I'm on a mission I'm going to pay off these student loans.
There's other refinance companies but they always go based on credit scores.
You guys were very helpful from like day one to now, and I thought it was an easy experience.
Before I worked with you guys you know I went to the reviews and read what people said. I felt good about it, I didn't lose any sleep.
Miss Rose -- she's really friendly and she's really professional. She is also really good at getting on the personal level.
Yrefy will work with you every step of the way.
She understood my business schedule. Felix too. They understood that I was working on stuff. It was really nice, that I could text sometimes. I just went to the restroom real quick responded to them and then go back to work.
My dad and my brothers, we actually have a good game plan the first year they're going to help me out, then we're going to branch off. Then it's going to be me. In the meantime, I am working at Harris Theater. I am trying to find a career job and so I've been looking into university. They are like, “we don't want too much stress on you find that career job”.
Yrefy has a co-borrower release program
Then I'm going to take over the payments, and then I'm going to keep up with the payments. Then they’ll drop off after 4 years and then I'll take care of the rest myself.
Hopefully I get a career with East Carolina University. That's my goal. That's what I'm striving for right now.
We believe that all your goals should be within reach.
With the husband we're going to save up and one day get a house.
I think I’m an inspiration to my little sister. She's doing a lot of sports because she wants a scholarship. I even asked her, “Am I good inspiration? I have big student loan debt.” She said: “Yes!”
Do the research on private loans, and Yrefy is wonderful.
| Old Loan | New Loan | |
|---|---|---|
| Interest Rate | 11.15% | 3.65% APR |
| Loan Amount | $129,537 | $136,013 |
| Term | 164 months | 120 months |
| Payment | $1,389 | $1,354 |
| Lifetime Savings | — | $414,546 |
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