There's specific kinds of debt that don't just cost you money.
They cost you sleep.
Student loans are near the top of that list.
- Collection Calls
- Compounding Interest Rates
- Letters that won’t stop coming
At some point a lot of people just decide it's a lost cause and look away — because looking feels worse than not knowing.
I need you to know, it's not a lost cause.
But first, I want you to me a favor…
(No, not that kind of favor! Get your head outta the gutter.)
Imagine you’re Tom Hanks in “Cast Away,” and you’re floating on that busted raft in the ocean.
But the ocean is made up of collection letters and overdue notices.
Wilson’s already gone.
You haven’t had water in days.
And the bills keep piling up.
Pretty soon a wave is gonna crash over your head, drowning you in payments you can’t make.
But look!
There’s a ship on the horizon!
Wait. No.
There’s two ships!
You’re saved!!!!!
As the ships pull up, you realize one is a mega-yacht. New. Shiny. Massive.
But everyone on the ship is ratchet AF.
Eye patches, peg legs, and parrots on shoulders…
These guys might be pirates.
But they’re all yelling at you to come on board and they’ll make you RICH!
The other ship isn’t a mega-yacht.
It’s a clean, sturdy vessel that doesn’t insist upon itself.
Everyone on that ship is dressed in nice clothes, and looks like they’ve all bathed.
Probably NOT pirates.
They’re telling you they’d be happy to take you on board and see you all the way to your destination.
Meanwhile, you’re pretty sure you just saw someone walk a plank off the pirate ship.
(It’s definitely a pirate ship…)
That’s kind of what it’s like trying to find people to help you with your student loans.
There’s tons of pirates out there promising you the world and all the rum you can drink.
(Maybe not the rum.)
But finding an institution that’s not out to shiver your timbers (last one, I promise) is almost as hard as Tom Hanks getting back home.
Yrefy is one of the few (not pirate) lenders that specialize in student loans, and they don't have a minimum credit score requirement.
Their fixed rates run from about 1% to 6%, which is low for the industry, and checking your rate is a soft credit pull, so it won't ding your score to look.
One of the best parts is, when you refinance with Yrefy, you can skip one payment every six months.
So if you have an emergency, like having to go search for Tom Hanks in the ocean, you don’t have to worry about making your payment that month.
Here’s the deal.
If that's you’re drowning in student loans, and you’ve already lost Wilson at sea, a no-impact rate check is the smallest possible first step out of the danger zone.
You don't have to fix it today. You just have to stop pretending the problem will go away on it’s own.
[Check your Yrefy rate HERE]
Taquitos,
Caleb “WILSON!!!!” Hammer
P.S. Once you've faced the scary money stuff, reward yourself with the fun kind. Hammer Elite is live and fully uncensored, and annual is $30 off through the end of June.
Every show, nothing cut. [Get Hammer Elite]
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