Yrefy review

Yrefy is on this list for a different kind of graduate: someone who has fallen behind on private student loans and would be turned down by SoFi, LendKey or MEFA. Yrefy says it specializes in delinquent and defaulted private student loans, has no minimum FICO score and uses its own underwriting that weighs income potential and reliability. It advertises fixed rates of 0.1% to 5.99% APR for qualified borrowers, offers income-based repayment plans and allows co-borrower release after on-time payments. Every borrower gets a dedicated loan advisor, and a rate check takes 3 minutes without a credit impact. The limits are significant. Yrefy refinances private student loans only, so federal loans are out, and its page does not publish terms, loan minimums or a fee schedule, which makes it hard to compare with the lenders above. It also asks applicants to call because of high demand. Borrowers in good standing will usually do better at the top-ranked lenders.

Who it is for

borrowers behind on private student loans

Price

Fixed rates of 0.1% to 5.99% APR for qualified borrowers.

Fixed Interest Rates Between 0.1% - 5.99% APR
Quoted from the vendor pricing page on November 13, 2026.

Key features

• Fixed rates of 0.1% to 5.99% APR for qualified borrowers
• No minimum FICO credit score
• Accepts borrowers who are delinquent or in default on private student loans
• Income-based repayment plans
• Co-borrower release after on-time payments

Strengths and weaknesses

• Strength: One of few lenders that works with defaulted private student loans
• Strength: A dedicated loan advisor for each borrower
• Strength: 3-minute rate check with no credit impact
• Weakness: Refinances private student loans only, not federal loans
• Weakness: The page does not publish loan terms, minimums or fees
• Weakness: Yrefy recommends calling for service and rate quotes because of high demand

Key facts

• Fixed APR: 0.1% to 5.99%
• Minimum credit score: None
• Eligible loans: Private student loans only
• Who it serves: Delinquent and defaulted borrowers
• Phone: (866) 816-7649

Where it ranks

Yrefy is No. 8 in our Best Student Loan Refinance Lenders verdict.