Graduate loans are changing —
join the group negotiating better options.
Starting Fall 2026, federal graduate loans will be capped: $20,500 per year for most master’s programs and $50,000 per year for professional degrees. But many programs cost far more, leaving a large gap to cover. Juno negotiates private loans with better rates and terms, so grad students don’t overpay.
100% Free
No credit check to join
Zero obligation

By the numbers
233,152+
Members
$1B+
In negotiated loans
7 Years
Helping students since 2018
The Reality for Graduate Students in 2026
Federal Caps:
$50,000 per year → Professional programs (JD, MD, PharmD, Vet, Dental, PA, Nursing, etc.)
*Per the College Cost Reduction Act (H.R. 6951), graduate borrowing will be capped at $50,000/year and $200,000 lifetime. Read the legislation →
Average Cost of Attendance:
$40,000–$120,000+ depending on program
Many students will need tens of thousands in private loans
What Juno Negotiates for
Graduate Students
Negotiated benefits in past years. The 2026 group benefits are yet to be determined.


How Juno Helps Graduate Students
We're not a lender – we're your collective bargaining unit for better loan terms.
Think of it this way
Professional associations negotiate benefits for members that no individual could get on their own. That’s exactly what Juno does for student loans.
We gather thousands of graduate students and tell lenders: “If you want access to this group, you need to offer terms that actually work for future professionals.”
The Power of Numbers
233,152+
graduate students have already joined Juno
$1 billion+
in loans negotiated
Juno is already the #1 loan option at top MBA programs worldwide
Free Support Throughout Grad School
Talk to our team for guidance comparing federal vs. private loans, repayment strategies, or refinancing later. Even if you don’t borrow through Juno, we’re here to help.

Your Path to Better
Loan Terms
Federal loan limits aren't keeping up with graduate school costs.
How it works
01
Join free
Takes 30 seconds, no credit check
02
We negotiate
Lenders compete for your business
03
You Choose
Review options with zero obligation
Your 2026 timeline
Now – May '26
Build our group
Join the waitlist early for maximum leverage
Spring '26
Negotiate terms
Juno runs competitive bidding process
June '26
Share options
You review and decide
July - Aug '26
Start school
Loans disburse after certification



1,516 Juno members

1,534 Juno members

1,606 Juno members

1,985 Juno members

1,175 Juno members

3,132 Juno members

3,321 Juno members

1,378 Juno members

2,485 Juno members
See how students like you saved with Juno
What People Are Saying
These reviews are based on survey responses, Facebook posts, and other chat/social media.
I appreciate that through Juno
I appreciate that through Juno I got a much lower interest rate that takes into account my credit score / ability to repay rather than a blanket rate from the government. And the process was fairly seamless.
Kam, Wharton
2026
Juno was a life saver for our family!
We have two kids in college and a third one next year and Juno helped us get loans that were a third of the cost of the rates that the school parent loans were, unbelievable!
Rachel
2021
I ended up getting a loan with 5% interest which to me means about $30,000 savings.
Ben Reisfeld
Feb 20, 2022
FAQ Section For Graduate Students
How does Juno make money?
To clarify, we receive compensation from the financial services companies appearing on this page.
What is the disbursement timing?
Can I increase the loan amount later?
Does my income now influence the rates I would get for the loans?
When does interest begin accruing?
If your school splits up the loan on a semester basis, which is common, then you would only begin accruing interest on the portion that is disbursed rather than the full amount. So if you took out $80,000 – $40,000 for the fall, and $40,000 for the spring, then you would only begin accruing interest on the first $40,000 in the fall when initially disbursed. When the latter portion is disbursed in the spring, you would then accrue interest on the full $80,000.