 which can significantly reduce your monthly payment and decrease your total cost. Contact YREFI at 844-2-RAMSI or go to YREFI.com slash Ramsey. That's 844-2-RAMSI or the letter Y, then REFY.com slash Ramsey. YREFI is not licensed by the California Department of Financial Protection and Innovation. YREFI is not authorized by the New York State Department of Financial Services to service any New York loans. Funding may not be available in all...