Samantha's Testimonial & Story

When Samantha, a case manager for people with disabilities, opened a letter from her loan servicer, she felt her stomach drop.

She had no idea that by the time it was over, she'd pay back $472,000 on the $112,000 she borrowed.

Then came the threats.

Wage garnishment. A lien on her parents' house. The home her dad could lose when he went to sell it — because he believed in his daughter enough to sign.

She looked into bankruptcy, but because her loans were private, it wasn't an option.

"It feels like I'm kind of stuck in a corner. I'm not gonna get out of this."

Then someone in her Facebook group said: refinance. And she found Yrefy.

Her interest rate was 14% before; now it’s just 4%.

She’s going to save $276,615.77 over the life of the loan.

"I don't have to worry about how I'm going to live day to day because my loans are so much more manageable."

Her dad was the first person she called with the news.

If your loans are in default and you've been told there's no way out — there is.

Yrefy works with defaulted and delinquent private student loans. Bad credit is okay, we look at your whole financial picture.