Student Loan Refinancing Act of 2026 allows refinancing of certain federal student loans with new interest rates.
The Student Loan Refinancing Act of 2026 amends the Higher Education Act of 1965 to establish a program for refinancing certain federal student loans. Borrowers can apply to refinance their existing Federal Direct Stafford Loans, Federal Direct Unsubsidized Stafford Loans, Federal Direct PLUS Loans, and Federal Direct Consolidation Loans. The refinanced loans will have interest rates based on the type of original loan and the borrower's status as an undergraduate or graduate student.
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