Medical school loans are
changing. Don't get priced out.
Starting Fall 2026, federal loans for medical school will be capped at $50,000/year - but many students will need more. Join Juno's free waitlist to access negotiated private loans with terms designed for future doctors.
100% Free
No credit check to join
Zero obligation
The Power of Numbers
236,858+
Members
$1B+
In negotiated loans
7 Years
Helping students since 2018
Federal loan limits
Federal loan limits aren't keeping up with medical school costs. That's why joining a group to negotiate better private loan terms is more important than ever.
Good News if you are planning to do a residency or advanced studies
Juno is focused on ensuring you can defer payments until after residency or post-graduate education, when your income supports repayment. The more students who join, the more leverage we have to secure these terms.
The Reality for 2026 Medical Students
New Federal Limit*
$50,000/year
*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 Medical School Cost:
$80,000–$110,000/year
Students will need $30,000–$60,000 per year in private loans
Your Path to Better
Loan Terms
Federal loan limits aren't keeping up with medical school costs.
How it works
01
Join for 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
How Juno Helps Medical Students
We're not a lender – we're your collective bargaining unit for better loan terms.
Think of it this way
When hospitals negotiate with suppliers, they get better prices than individual doctors ever could. That's exactly what Juno does for student loans.
We gather thousands of medical students together and tell lenders: “If you want access to this group, you need to offer terms that actually work for future doctors.”
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Business School
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Free Support Throughout Medical School
Get 1-on-1 guidance via email, phone, or Zoom. We'll help you understand your options, even if you don't use our negotiated loans. Because someone should actually answer your questions during this stressful time.
Medical Student Problems
We're Solving
Problem
⚠️ Standard private loans expect payments after 48 months – during your residency.
Full deferment through residency & fellowship
We're negotiating for loans that understand you won't make real money until after your training is complete. No payments during your residency while you're working 80-hour weeks for minimal pay.
Problem
⚠️ Most lenders want a cosigner or proof of current income
Medical school acceptance = creditworthiness
Your acceptance letter should be enough. We're pushing for no-cosigner options based on your future earning potential as a physician, not your current student status.
Problem
⚠️ Variable rates that could skyrocket during your training
Fixed-rate options for peace of mind
Medical school is stressful enough without worrying about rate changes. We prioritize fixed-rate loans so you know exactly what you're dealing with.
No origination fees (save $2,000+)
Soft credit check for prequalification
Rate discounts for autopay
Refinancing pathways after residency
Want to hear from someone who was in your shoes?
Dr. Okafor, Duke MD '23, an Anesthesiology resident and Juno Med Ambassador, is happy to share his experience and answer your questions about medical school loans and how Juno can help.
Book some time with Dr.Okafor