We negotiated the lowest private student loan rates for you, for free
Free for you -
How?
Takes <1 minute to join -
Why?
No credit check -
Why?
A Lower Rate With Juno
We think it's unlikely you'll get a better deal elsewhere but we have a rate match program in case you manage to find something! Details here.
We're better than Parent PLUS loans for those with good credit
As a reminder, Federal Stafford loans likely offer better options to undergrads, but it’s very common that students need to borrow more than that federal limit ($5,500 for the first year, etc).
Juno’s deal is best used for the remainder of financial need, and can be used in lieu of a Parent PLUS loan (9.08% with a ~4.2% origination fee) which can be more expensive than a private loan for those with good credit.
Benefits of joining Juno
Exclusive Rewards
Join us for free to access a cash back signing bonus that saves you more money than if you went to our lending partner directly.
Rate match guarantee1
We’re so confident in our deals that if you find a better one from another lender, tell us, and we’ll match it and give you a cash bonus (comparing “apples to apples” when it comes to loan terms).
Free to access
Joining Juno is free – you’ll never pay any membership dues or fees for accessing our exclusive deals. How? We make lenders pay a fee instead. (They don’t charge you fees either)2
Our Journey
Started by two Harvard students...
We started Juno a few years ago when we were shopping around for loans for Harvard Business School. Since then, we’ve been immersed in the student loan industry, regularly speaking with key players nationwide.
Doing the research
This year, we ran an auction, making all lenders offer the best rates to our community. In the process, we pored over dozens of rate tables, and stayed up all night crunching spreadsheets to map out which lenders offered the most people the best rates.
Free for you
Since our members never pay us, we charge the selected lender a set fee that is agreed before the negotiations begin. That way, we can’t be swayed by a larger financial incentive. The only way to win the auction is to offer our community the best rate.
Proven Track Record
Juno is the only organization that has successfully negotiated discounts for student loans on behalf of large, diverse groups of students. We’ve helped students and families borrow more than $1B+ at discounted rates. Over 212,478+ members have trusted Juno to negotiate more affordable student loans for them.
By the numbers
212,478+
Members
$1B+
In negotiated loans
1985+
Eligible universities
How we save you money
Through the power of 212,478+ families
Our collective voices hold so much strength at the negotiating table. Thanks to this, whenever we talk to lenders, we have a ton of leverage to get our community better deals.
Lenders want our collective business
Financial institutions want to lend money. More volume, even if the volume is getting a better deal, is better for them. And better rates is better for you. It’s a rare win win.
Who is this for?
For undergraduate students, those who need to borrow above the federal lending limit can save money using our deals as an alternative to Parent PLUS loans. We currently have a student loan deal with an exclusive rate discount that can help families bridge the gap after they’ve hit the federal lending limit.
Yes, students will likely need a co-signer. Here’s what that means.
A co-signer is a person who is obligated to pay back the loan if you, the student, cannot make your payments. The co-signer can be a spouse, relative, parent or any adult that is a U.S. Citizen or Permanent Resident. We expect undergraduate students will need a co-signer.
For international students as well as DACA recipients and Conditional Permanent Residents, having a U.S. Citizen/Permanent Resident co-signer may make you eligible for a loan with a U.S. lender. Policies and requirements vary by lender.
$1B+ of loans originated through Juno Partners
Kam, Wharton
2026I 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.
Matt, MIT
2021The rate was almost half of the quotes I had gotten before
Jona, Harvard University
2020I ended up getting a loan with 5% interest which to me means about $30,000 savings.
Rachel, University of Oregon Parent
2026Juno 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!
As featured in
Hear from a member!
"I just wanted to let you know, after 4 years of applying for private student loans,
going through [Juno was] by far was the easiest, fastest, and smoothest, process… It was
the easiest application and fool-proof. Every year it is a stressful process filling out
all those private loan applications, but this was the best.
He/we ended up getting a fixed rate of 5.04%, payable starting 9 months after he graduates,
payable over 10 years.
Thank you again!"
Andy
Ringling College of Art + Design, 2024
Individual results may vary.
Featured Articles
Thanks to all our Juno members for getting us this historic deal!
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Tim
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McKee
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Adam
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Suphawit
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and 160,000+ others!