Parent PLUS loans are changing. Don’t let borrowing hold you back.

Starting Fall 2026, federal Parent PLUS loans will be capped at $20,000/year, and $65,000 lifetime per student — but undergrad programs often cost far more. Join Juno’s free waitlist to access negotiated private loans with terms designed for families.

100% Free

Takes 2 Minutes

Soft credit check only (no impact to score)

Zero obligation

Reserve Your Free Spot


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

Not what you’re looking for? Our main signup form will get you to the right place.

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The Reality for 2026 Families

New Federal Limit*

$20,000/year

*Per the College Cost Reduction Act (H.R. 6951), Parent PLUS borrowing will be capped at $20,000/year and $65,000 lifetime. Read the legislation →

Average Cost of Undergrad Programs

$29,000–$63,000+ total

Many students will need $10,000–$40,000 per year in private loans

Federal loan limits

Federal loan limits aren’t keeping up with undergraduate program costs. That’s why joining a group to negotiate better private loan terms is more important than ever.

How Juno Helps Families

Think of it this way

Costco negotiates better pricing than any single customer ever could. That’s exactly what Juno does for student loans.

We gather thousands of students together and tell lenders: “If you want access to this group, you need to offer terms that actually work for families.”

The Power of Numbers

236,891+

students and families have already joined Juno

More members = Better negotiating power = Lower rates

Started at Harvard
Business School

Started at Harvard Business School, now trusted by students at 150+ schools nationwide.

Free Support Throughout School

1-on-1 guidance by email, phone, or Zoom. We’ll help you compare federal vs. private loan options and repayment strategies — even if you don’t use Juno’s negotiated loans.

Your Path to Better
Loan Terms

Federal loan limits aren't keeping up with undergraduate 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

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Problems We’re Solving

Problem

⚠️ Federal Parent PLUS loans no longer cover the total cost of attendance.

Loans That Cover It All

Juno negotiates private loans up to the cost of attendance to fill any gap from the limited Parent PLUS program

Problem

⚠️ Parent PLUS rates no longer serve as the maximum rate families can qualify for.

Group Negotiation for Lower Rates

The more families in our negotiating group, the better rates we can get for everyone.

Problem

⚠️ Borrowers seeking out deals independently

Group buying power secures better rates and terms

A family may see a better rate through Juno's negotiated deal with a lender than if the family went directly to the lender's website as an individual.

No origination fees

Autopay rate discounts

Lower rates than going direct

Refinancing pathways after residency

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

FAQs

Can I apply at any point of the year and get the same rates?
Not necessarily - rates tend to fluctuate and our deals can change. The partnerships that we have on specific deals are time limited. Once you know you need a loan, that would be a good time to sign up. 

In general, signing up early helps us negotiate a better deal because we can demonstrate demand to partners. 
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.
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.