Definitely not a good source of net worth data, but I think it might actually be skewed for the opposite reason. Most of the student loan refinancing options a

Definitely not a good source of net worth data, but I think it might actually be skewed for the opposite reason. Most of the student loan refinancing options are targeted at low risk borrowers who can qualify for a lower interest rate. Generally the people who are in financial trouble won't be refinancing because the rates set by the government (which don't take individual credit risk into account) are already lower than they could qualify for. The refinanced loans also don't qualify for income based repayment like federal student loans do, which is the last thing that people in financial trouble would want to give up.