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Medical school loans have changed. Don't get priced out.

For incoming students, Grad PLUS is gone and federal loans for medical school are capped at $50,000/year - but medical school often costs far 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

Need a loan for Fall 2027?

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The Power of Numbers

296,000+

Members

$2B+

In negotiated loans

8 Years

Helping students since 2018

Some of our partners

We're delighted to work with organizations such as

SOMA APAMSA AMWA

"Juno clearly understands our financial journey, from premed through transition to practice. We appreciate their advocacy in this critical moment for current and future medical students."

- Ryan, OMSIII

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 for residency and fellowship

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 2027 Medical Students

New Federal Limit*

$50,000/year

*Per the OBBBA, new borrowers can take $50,000/year in federal loans for a professional degree, up to $200,000 in total. Read the legislation →

Average Medical School Cost:

$80,000–$110,000/year

That can leave a gap of $30,000–$60,000 per year to cover

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 2027 timeline

Now – May '27

Build our group

Join the waitlist early for maximum leverage

Spring '27

Negotiate terms

Juno runs competitive bidding process

June '27

Share options

You review and decide

July - Aug '27

Start school

Loans disburse after certification

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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.”

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

Questions from Future Doctors

Is joining really free?
Yes, 100% free. If you eventually use a loan we negotiated, the lender pays us a small fee (not you). If you don't use our loans, you still get free support and advice.
Will joining affect my credit score?
No. Joining the waitlist does not involve a credit check. Only if you decide to actually apply for a loan would a lender check your credit.
How is Juno different from going directly to a bank?
Banks see you as one student with no income. We bring them thousands of future doctors. That leverage gets you better rates, longer deferments, and terms designed for medical careers – not generic student loans.
What about Public Service Loan Forgiveness (PSLF)?
Private loans don't qualify for PSLF. However, with federal loans capped at $50k/year, you'll likely need private loans to cover the gap. Many doctors use federal loans up to the limit (for PSLF eligibility) and private loans for the remainder.
Can international or DACA students join?
Yes! Join the waitlist regardless of citizenship status. We negotiate with multiple lenders, some of whom work with international and DACA students. Options vary by school and lender.
What if I'm starting in 2027 or later?
Join anyway! We run negotiations every year. Getting on the list early helps us show lenders the size of the opportunity and improves terms for everyone.