# File lib/googleauth/user_refresh.rb, line 59
      def self.make_creds options = {}
        json_key_io, scope = options.values_at :json_key_io, :scope
        user_creds = read_json_key json_key_io if json_key_io
        user_creds ||= {
          "client_id"     => ENV[CredentialsLoader::CLIENT_ID_VAR],
          "client_secret" => ENV[CredentialsLoader::CLIENT_SECRET_VAR],
          "refresh_token" => ENV[CredentialsLoader::REFRESH_TOKEN_VAR],
          "project_id"    => ENV[CredentialsLoader::PROJECT_ID_VAR]
        }

        new(token_credential_uri: TOKEN_CRED_URI,
            client_id:            user_creds["client_id"],
            client_secret:        user_creds["client_secret"],
            refresh_token:        user_creds["refresh_token"],
            project_id:           user_creds["project_id"],
            scope:                scope)
          .configure_connection(options)
      end