Specializing in Delinquent and Defaulted Student Loans
Nationally Endorsed by Caleb Hammer
Yrefy is one of the few student loan lenders endorsed by Caleb Hammer. We work with student loan borrowers who are in delinquency or default.
Call Today
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
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How Refinancing with Yrefy Works
Four simple steps to transform your student loan debt into a manageable financial plan and help you plan for the future.
Call us or apply online
Fill out our simple inquiry form or call us. Our secure online application takes less than one minute to complete or call us and speak to one of our loan specialists today.
Speak with a specialist
Every borrower who works with Yrefy gets a personal, dedicated loan advisor who understands the complexities of restructuring student loan debt.
Start qualification
Starting the Yrefy qualification process is simple and takes just a few minutes. We collect some information about you and your loan to access your qualification status.
Get out of debt
Once approved and you accept your new interest rate and terms, we will then fund your low fixed interest rate student loan helping you save more money each month.
What Can You Do With The Extra Savings?
Many of our borrowers have saved hundreds per month or thousands off their total student loan repayment amount. This is possible due to the low fixed interest rates Yrefy provides to its borrowers.
Pay Off High Interest Credit Cards
Part of the Caleb Hammer teachings includes adhering strictly to a 50/30/20 budget, eliminating consumer debt, avoiding small wasteful purchases, and building emergency funds.
Buy a House
Caleb Hammer advocates responsible home buying, emphasizing a 5–7-year horizon, a mortgage payment under 25% of gross income, and a 3–6-month emergency fund.
Start a Family
Starting a new family is a life-changing event. In a recent Yrefy survey, 70.6% of our subscribers reported that financial stress prevents them from planning for the future. Learn more
Buy a Car
When a borrower refinances with Yrefy, the savings can be equivalent to a car payment each month. Call us today to discuss refinance options and check out the Yrefy student loan refinance calculator to see how much you can save.
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.
Real Borrowers Real Financial Relief
Hear from borrowers that regained their financial freedom with Yrefy.
