Veterinary school loans are changing. Don't get priced out.

Starting Fall 2026, Federal Loans for veterinary school will be capped at $50,000/year — but the cost of vet school is often much higher. Join Juno’s free waitlist to access negotiated private loans with terms designed for future veterinarians.

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.

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

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The Power of Numbers

236,858+

Members

$1B+

In negotiated loans

7 Years

Helping students since 2018

The Reality for 2026 Veterinary 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 Veterinary School Cost:

$65,000–$85,000/year

Students will need $15,000–$35,000 per year in private loans

Federal loan limits

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

How Juno Helps Veterinary Students

We're not a lender – we're your collective bargaining unit for better loan terms.

Think of it this way

Veterinary associations negotiate better insurance and supply deals for members than any single vet could. That’s exactly what Juno does for student loans.

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

The Power of Numbers

236,858+

students have already joined Juno

More members = Better negotiating power = Lower rates

Started at Harvard
Business School

What began as a group of MBA students fighting back against high rates has grown into the largest graduate student loan negotiation platform in the country.

Free Support Throughout Veterinary School

1-on-1 guidance by email, phone, or Zoom. Someone to answer your questions — even if you don’t use Juno’s negotiated loans.

Your Path to Better
Loan Terms

Federal loan limits aren't keeping up with veterinary 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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Veterinary Student Problems
We're Solving

Problem

⚠️ Standard private loans expect payments before you can afford them.

Full deferment

Full deferment options during veterinary school.

Problem

⚠️ Most lenders want a cosigner or proof of income.

Juno negotiates for acceptance letter

Juno negotiates for acceptance letter = creditworthiness.

Problem

⚠️ Rates can spike unexpectedly.

Juno prioritizes

Juno prioritizes fixed-rate options so you know your costs upfront.

No origination fees

Autopay rate discounts

Refinancing pathways after residency

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 From Future Veterinarians

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.
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.
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.