Jaren Pope, Brigham Young University (IMAGE) Brigham Young University Caption BYU professor Jaren Pope finds the very population that can benefit the most from refinancing is failing to do so. Credit Nate Edwards/BYU Photo Usage Restrictions None License Licensed content Disclaimer: AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert system.