Skip to main content

🎉 Our 2026 Class of 2026 deal is live. Join now & check your rates →

coin-and-cloud coin-and-cloud

Class of 2026:
Lower your payments,
Keep your grace period

Juno's exclusive while-in-school refinance offer lets you start saving now. Rates start at 4.10%1,2.

buildings
Students checking rates

How does it work?

  1. 1

    Check your Juno negotiated rates with a soft credit check - no impact on your credit score.

  2. 2

    Review your offers. You can refinance any combination of your loans into one - some or all of them.

  3. 3

    Complete an application through our partner. Your rate is locked for 30 days once you apply and get approved.

  4. 4

    After signing your loan, request a grace period match of up to 9 months.

    If your remaining time in school plus your grace period exceeds 9 months, payments will begin after the 9-month matched deferment period.

Key Benefits:

  • Zero Fees: No origination or prepayment fees.
  • Grace Period Matching: Maintain your existing 6-9 month grace period post-graduation.
  • Early Refinancing: Ability to refinance based on a job offer starting 6 months in the future.
  • Future Refinancing Flexibility: Freedom to refinance again if rates drop further, either with the same or a new provider.
  • You can refinance both Federal and/or Private Loan: including Juno loans!
Signing documents

What do I need?

  • A full-time job offer in the U.S. that starts within 6 months.
  • U.S. citizenship or Permanent Residency. Not a U.S. citizen or PR?
  • Meet the credit criteria of our lending partner.

Juno’s Benefits

Negotiated Offers
Negotiated Offers

All our refinancing offers are better than going directly to the lender. We negotiate rates discounts and/or cash back when you refinance through our platform.

Integrated Experience
Integrated Experience

See rates in under 2 minutes with just a soft check from a curated selection of the most competitive student loan refinancing options on the market.

Personalized touch
Personalized touch

Speak 1:1 with anyone on our team! We have MDs and MBAs, among others who went through the same experience as you.

You can schedule a free call here.