Free to join and no obligation to take a loan.
For full-time US students earning degrees abroad at the top 100+ most popular international universities including INSEAD, LBS, IESE, HEC Paris, University of Cambridge, University of Oxford, University of Toronto, McGill University, and more. Also available to international students with valid US co-signer. Click here to view full list of international universities.
Lenders compete for our collective business. You get lower interest rates for free. (We charge the lenders).
Juno’s negotiated deal covers US students at all of these universities.
Join us for free to access exclusive rate discounts that save you more money than if you went to our partner directly.
We’re so confident in our deals that we’ll match anything better (comparing “apples to apples” when it comes to loan terms). Plus, get extra cash on top.
Joining Juno is free – you’ll never pay any membership dues or fees for accessing our exclusive deals. How? We make lenders pay a fee instead.
We started Juno a few years ago when we were shopping around for loans for Harvard Business School. Since then, we’ve been immersed in the student loan industry, regularly speaking with key players nationwide.
This year, we ran an auction, making all lenders offer the best rates to our community. In the process, we pored over dozens of rate tables, and stayed up all night crunching spreadsheets to map out which lenders offered the most people the best rates.
Since our members never pay us, we charge the selected lender a set fee that is agreed before the negotiations begin. That way, we can’t be swayed by a larger financial incentive. The only way to win the auction is to offer our community the best rate.
Juno is the only organization that has successfully negotiated discounts for student loans on behalf of large groups of students. We’ve helped students and families borrow more than $200M at discounted rates. Additionally, our cash back deals have given more than $502,121 back to our members. Over 50,000 members have trusted Juno to negotiate more affordable student loans for them.
in negotiated loans
in cash back earned by our community in 2020
Our collective voices hold so much strength at the negotiating table. Thanks to this, whenever we talk to lenders, we have a ton of leverage to get our community better deals.
Financial institutions want to lend money. More volume, even if the volume is getting reduced interest rates, is better for them. And better rates is better for you. It’s a rare win win.
For undergraduate students (and their parents) and graduate students, those who need to borrow above the federal lending limit can save money using our deals as an alternative to Parent PLUS loans or Grad PLUS loans. We currently have a student loan deal with an exclusive rate discount that can help families and students bridge the gap after they’ve hit the federal lending limit.
A co-signer is a person who is obligated to pay back the loan if you, the student, cannot make your payments. The co-signer can be a spouse, relative, parent or any adult that is a U.S. Citizen or Permanent Resident. We expect undergraduate students will need a co-signer.
For international students as well as DACA recipients and Conditional Permanent Residents, having a U.S. Citizen/Permanent Resident co-signer may make you eligible for a loan with a U.S. lender. Policies and requirements vary by lender.
As a reminder, Federal Stafford loans likely offer better options to undergrads, but it’s very common that undergraduate students need to borrow more than that federal limit ($5,500 for the first year, etc) and graduate students have fewer options.
Juno’s deal is best used for the remainder of financial need, and can be used instead of a Parent PLUS loan or a Grad PLUS loan (5.30% for 2021-2022 with a 4.228% origination fee) which can be more expensive than a private loan.
In comparison, the member you’ll hear from below got a 5.04% interest rate without any fees. That’s the difference of $392.40 – $32,643.60 through Juno versus $33,036.00 through Parent PLUS.*
*using a loan amount of $25,600 (average for Parent PLUS) over ten years. Additional terms apply.
“I just wanted to let you know, after 4 years of applying for private student loans,
going through [Juno was] by far was the easiest, fastest, and smoothest, process… It was
the easiest application and fool-proof. Every year it is a stressful process filling out
all those private loan applications, but this was the best.
He/we ended up getting a fixed rate of 5.04%, payable starting 9 months after he graduates, payable over 10 years.
Thank you again!”
Ringling College of Art + Design, 2024
Individual results may vary.