# Earnest 2026 Refinancing Borrower Guide

## Understanding student loan refinancing in 2026

## Fewer than 1 in 10 student loan borrowers who could save money by refinancing choose to refinance. This guide will ease the stress by explaining what refinancing is, how it works, and helping you decide if it’s right for you.

[Download Our Guide](https://a-us.storyblok.com/f/1016673/x/4e45ae3dba/refinancing_borrower_guide-2026.pdf)

)

## What to expect from this guide

- What refinancing is, how it works, and who it helps
- Today's refinancing landscape and policy impacts
- Step-by-step overview of Earnest's process
- Common refinancing myths-- debunked

[Download Our Guide](https://a-us.storyblok.com/f/1016673/x/4e45ae3dba/refinancing_borrower_guide-2026.pdf)

)

## Sneak peak of the refinancing content inside

)

)

[Download For More](https://a-us.storyblok.com/f/1016673/x/4e45ae3dba/refinancing_borrower_guide-2026.pdf)