Who We Are

Yrefy Resources and Learning Center

When it comes to student loans, it makes sense to have questions. In our resource center, you can find answers to many of your questions. With access to our glossary, articles, calculators, and much more, we hope you will find what you are looking for.

Why Use Our Learning Center?

Our resources are designed to help homeowners understand their student loan refinancing options
in order help you make more informed decisions. 

Expert knowledge

In-depth guides, articles, and tools to help you in your financial freedom journey. Our team has decades of experience in student loans and the financial industry.

Practical advice

Practical real-world advice that can help you make more informed decisions about refinancing, savings potential, and choices you have. 

Cost savings

Learn how our refinancing options can help you save money monthly and off the life of your loan with our low interest rates.

Quality

Our content is in depth, written by financial experts, and then reviewed to ensure it is accurate and complete. 

Recent Blog Articles

The End of the SAVE Plan: What’s Changing?

Time Sensitive Changes to the SAVE Plan For nearly two years, the SAVE plan (aka Saving on a Valuable Education) has been in legal limbo after court challenges were filed in March 2024. Payments were paused for many borrowers after court injunctions blocked parts of…

Student Loans and 401(k)s: Should You Pay Debt or Invest?

Balancing Debt and Your Future While repaying student loans, the idea of retirement can feel far away. At the same time, ignoring your financial future is not a long-term strategy. That’s when balancing can feel difficult: should you focus on paying down your loans as…

Student Loans and Credit Cards: How to Manage Both

The Reality of Managing Multiple Types of Debt For many borrowers, student loan and credit card debt coexist. Between multiple due dates, interest costs, and the pressure to make progress, it can start to feel like you are treading water financially. If you have both…

Let’s Talk Numbers

Check out our student loan calculators to learn more about your loans, payoff amounts, and how Yrefy can help you with
refinancing, and expected savings with a potential loan refinance from Yrefy.

Student Loan Calculator

Our student loan calculator can be used to estimate your student loans’ monthly payments, total repayment amount, total interest paid, and how bi-weekly payments affect your repayment amount. 

Student Loan Refinance Calculator

The Yrefy student loan refinance calculator provides you with a side-by-side comparison of your monthly payments, payoff, and total interest paid of your current loan vs a new Yrefy loan. 

Student Loan Consolidation Calculator

The Yrefy student loan consolidation calculator enabled you to enter all your current loans and compare them to a single fixed, low-interest-rate refinanced student loan from Yrefy.

Our Press & Media

Founded in 2017, Yrefy specializes in refinancing distressed and defaulted Private Student Loans. It’s our mission to provide private student loan borrowers a second chance — while creating potential fixed income opportunities for eligible accredited investors who invest through promissory notes. 

Yrefy has been reviewed and recognized in numerous publications and news outlets for our lending services, helping distressed student loan borrowers. Yrefy has also been endorsed by several major financial influencers, such as Dave Ramsey and Caleb Hammer. 

More about Yrefy

About Us

Learn more about Yrefy. Our story, mission, and values set us apart from traditional lenders.

Our Team

Learn more about our team and the people committed to helping you move forward.

Testimonials

Read or watch our customer testimonials of why they chose Yrefy and how we helped them.

Reviews

Yrefy has received many reviews from past customers. We have a 4.8-star rating on Google. 

Press & News

Yrefy has been reviewed, featured on, and endorsed by many large news and financial websites.

Refinancing Options We Offer

Bad Credit

We specialize in default and delinquent student loans. Learn more about how Yrefy works and what makes us unique.

Consolidation

We can help you consolidate multiple private student loans into a single loan with a low, fixed interest rate. 

No Cosigner

We offer no cosigner private student loan refinancing options with low fixed rates. 

Undergraduate

There are many undergraduate private student loans we help refinance and get you a lower rate.

Graduate

Graduate school student loans can be expensive, especially for business or medical school.