Third Party Advertising Disclosure

Yrefy’s loan refinance program offers fixed rates from 3.65% APR up to 7.00% APR. Your interest rate will remain constant over the life of your loan and your monthly payment amount will remain the same. Not all borrowers receive the lowest rate.  Get started now.  To check the rates and terms you qualify for, Yrefy will conduct a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. If pre-approved for a refinance loan, depending on your creditworthiness, your loan approval may require the addition of a co-borrower.

If you are pre-approved as a Borrower, your interest rate will be in the range listed above. The estimated loan option and terms displayed are based on information you provided in the pre-approval application,and are subject to change prior to acceptance. Yrefy LLC is not responsible for any inaccurate information disclosed on this website.

After seeing your offered interest rates, you may choose to continue your application online at or by contacting Yrefy’s Advocate. With your prior authorization, Yrefy will complete a hard credit inquiry, verifying the information you provided, and collecting additional information from you (and your co-borrower, if applicable) for Yrefy to determine whether you qualify for a loan. A hard credit inquiry is required for any lender to be able to issue a refinance loan. Up to a 5% fee will be assessed at the time your private education loan(s) are refinanced; this amount will be added to the principal balance of your refinanced loan.