Yrefy is a specialty finance company that provides both meaningful social impact and strong fixed-income opportunities for accredited investors. Founded in 2017, Yrefy purchases and refinances private student loans—not federal loans—that are in distress or default. By negotiating significant discounts with original lenders and offering borrowers new, affordable, fixed-rate repayment terms, Yrefy helps individuals rebuild credit, regain financial stability, and achieve long-term financial wellness.For investors, Yrefy offers a Reg D 506(c) private placement consisting of collateralized promissory notes, available in multiple classes and durations ranging from one to five years. These notes provide fixed annual returns up to 10.25%