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

Reserve Your Free Spot


We'll email you when negotiated rates are available (June 2026). Unsubscribe anytime.

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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

Benefit
What It Means for You
Lower Rates
Historically ~1.5% lower than going direct
Cash Back
% of your loan back as a Negotiating Benefit
Increased Eligibility
Qualify without a cosigner or current income
Rate Match Guarantee
If you find a better rate, Juno negotiates to match it + add a bonus
Plus the Usual
No origination fees, no prepayment penalties, flexible deferment while in school

Negotiated benefits in past years. The 2026 group benefits are yet to be determined.

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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

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Massachusetts Institute of Technology (MIT) Logo

1,516 Juno members

Stanford University (GSB, Undergrad, etc.) Logo

1,534 Juno members

University of Michigan Logo

1,606 Juno members

Columbia University in the City of New York Logo

1,985 Juno members

University of California, Los Angeles (UCLA) Logo

1,175 Juno members

University of Pennsylvania (Wharton, Perelman, Undergrad, etc.) Logo

3,132 Juno members

University of Chicago (Booth, Pritzker, Undergrad, etc.) Logo

3,321 Juno members

Duke University Logo

1,378 Juno members

Northwestern University (Kellogg, Feinberg, Undergrad, etc.) Logo

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.

K

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!

R

Rachel

2021

I ended up getting a loan with 5% interest which to me means about $30,000 savings.

B

Ben Reisfeld

Feb 20, 2022

FAQ Section For Graduate Students


How does Juno make money?
We charge our partners a percentage of the loan amount our members borrow from lenders – it’s set before the formal auction, so companies can’t sway us by offering more money. The partner is selected based on Juno's analysis with the objective of finding the partner that will offer you the best rates. 

When you use our special link, you’ll get a discount from the lender, or other incentive such as a cash payment from Juno, which we’ve negotiated. We’ll receive the fee described above from our partner, which is calculated as a percentage of your final loan amount, but you’re always free to go directly to the partner’s site as well.

To clarify, we receive compensation from the financial services companies appearing on this page.

What is the disbursement timing?
Usually, the loan is disbursed right before the start of the semester, so if you needed one for the fall term, August. 

But we recommend coordinating with your financial aid office to ensure that the funds are disbursed at the time you would like them to be. Our understanding is that the financial aid office communicates the disbursement dates to the lender.

Can I increase the loan amount later?
You will have to directly contact the lender to ask if the loan amount can be increased and they might require you to apply for a new loan. Depending if our partnership with the lender is still going or not you might not get the same rates.

Does my income now influence the rates I would get for the loans?
When we release the deal and you apply with the lender, we recommend listing your income at that time that you can prove via pay stubs etc. If a cosigner is required, you may be asked to provide their income information as well.

When does interest begin accruing?
Interest usually begins accruing when the loan is disbursed to your school. Your university communicates the disbursement date(s) with lenders, and there can be multiple. As a result, you may want to check in with the Billing Department to see when the funds would be disbursed so that you know when your interest begins 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.