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Washington State Institute for Public Policy

All of WSIPP's research is published on our website. The Publications page includes every report we've released—from our founding in 1983 to the present. Each report entry includes the title, publication date, abstract, any available supplemental materials, and a downloadable PDF.

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Publications

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Student Loan Bill of Rights: Student Loan Refinancing (Archived)

Open Publication PDF

Madeline Barch, Chasya Hoagland, John Hansen, Amelia Haselkorn - November 2018

The 2018 Washington State Legislature directed WSIPP to conduct a study on student loan refinancing, with particular attention to authorities that refinance student loans from the proceeds of tax-exempt bonds. In this report, we summarize federal guidance on using tax-exempt bonds for state loan refinancing programs and describe the structure and characteristics of the 15 student loan refinance programs run by other states, including their requirements for borrowers. We also estimate the potential savings to Washington undergraduate and graduate borrowers from refinancing their loans through a hypothetical state program. Finally, we consider the foregone value of federal loan repayment and forgiveness options to borrowers who choose to refinance using such a program.

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Legislation