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Check your student loan eligibility before you apply.

Check your credit, background, and loan needs against real private student loan underwriting criteria.

Check my eligibility Or join our negotiation group
  • 2 minutes or less
  • Won't affect your credit score
  • Free, no commitment

What the checker looks at

  • Credit Your credit report
    8 checks: Credit score, Length of credit history, Active credit accounts, Late payments, Collections, Write-offs and charge-offs, Student loan delinquency, Student loan default.
  • Background Public records and identity
    9 checks: Bankruptcy, Foreclosure, Repossession, Unpaid tax liens, Unpaid suits and judgments, Negative public records, Citizenship or residency, Age, U.S. address.
  • Loan needs School and loan amount
    7 checks: Half-time enrollment, Program loan limits, Income, Housing costs, Existing monthly debt, Debt-to-income, Co-signer's credit.

Then you get one of three answers, with the reasons:

  • Eligible
  • Eligible with co‑signer
  • Not eligible currently

Five quick steps. That's it.

No documents to upload, and no application to file.

  1. About you

    Name, email, and phone

  2. Your school

    School, degree, and amount

  3. Identity

    Address, birthday, and SSN

  4. Finances

    Income and housing costs

  5. Consent

    Optional co-signer, then submit

Start my eligibility check

Your SSN is only used for the soft credit check.

A straight answer.

Whatever comes back, you'll see why, and what to do next.

  • Eligible

    You're likely eligible for a private student loan through Juno's partners.

    Next: join your negotiation group.

  • Eligible with co‑signer

    You may still qualify with a co-signer through one of Juno's partner lenders.

    Next: invite your co-signer to check.

  • Not eligible currently

    Check again in 6-12 months or when you've resolved the noted items.

    Next: work on what's holding you back.

Eligibility is step one. Your rate is step two.

Juno uses group bargaining power to negotiate private student loan rates with partner lenders. Join the negotiation group for your degree, alongside 298,000 members.

Join a negotiation group

Free to join.

Good questions to ask first.

Will checking my eligibility affect my credit score?
No. The Eligibility Checker uses a soft credit inquiry, which won't affect your credit score. It is not a loan application.
What does "likely eligible" mean?
Based on the information you provide and your credit report, you're likely eligible for a private student loan through Juno's partners. It is not an offer or a commitment to lend: the lender makes the final decision and sets your terms when you apply.
That decision can differ from your result. For example:
  • Your circumstances change before you apply, such as your credit, income, or enrollment.
  • A lender changes its loan programs or eligibility criteria.
  • Your school or program doesn't meet a lender's school-related requirements.
  • A lender reviews your transcript or academic standing.
Do I need a co-signer?
Not always. Many Juno members are eligible for loans without a cosigner, although a strong cosigner may result in lower rates. If you have one, add them in the last step, or invite them from your results.
What happens to my Social Security number?
It is used to run the soft credit check and nothing else. Juno does not share information from your credit report directly with its lending partners.
Is Juno a lender?
No. Juno is not a lender. We are not involved in the loan approval or investment process.

Two minutes now. Less guessing later.

Find out if you're likely eligible for a private student loan before you apply anywhere.

Check my eligibility
  • 2 minutes or less
  • Won't affect your credit score

Please Note: Juno is not a lender. We are not involved in the loan approval or investment process.