Join for free to get a cash signing bonus on your student loan, no co-signer required.
Join us for free to receive 1% cash back on your student loan. For instance, if your loan is $50,000, eligible Juno members would receive $500 after signing. 1
There's no requirement for a co-signer, collateral, or credit history.
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.
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.
This year, we ran an auction, making all lenders offer the best deals 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 deals.
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.
Juno is the only organization that has successfully negotiated discounts for student loans on behalf of large groups of students. We’ve helped students and families borrow more than $200M. We've also given away more than half a million dollars in cash back. Over 50,000 members have trusted Juno to negotiate more affordable student loans for them.
in negotiated loans
given away by Juno to members
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.
Financial institutions want to lend money. More volume, even if the volume is getting cash bonuses, is better for them. And cash back is better for you. It’s a rare win win.
If you're an undergraduate or graduate student within 2 years of graduating or about to begin a 2 or 1-year program, you can apply! They accept international students, DACA recipients, U.S. citizens, refugees or asylum-seekers. You must be admitted to or attending one of their 350 approved schools in the United States or Canada.
For this deal, you don't need a co-signer, collateral or a credit history. However, we do expect students with co-signers to be able to get better rates. If you have a co-signer, sign up for Juno to see all your options.
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.
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 better interest rate. Policies and requirements vary by lender.
DACA students with a social security number are still able to apply to FAFSA, from which they will receive a Student Aid Report outlining their eligibility for non-federal financial aid. Before you make that your first step, the Department of Education recommends you check in with your high school counselor or college financial aid office before submitting FAFSA, as you might live in a state with an alternative aid application specifically for DACA recipients.
It’s also important to learn about your state’s financial aid program, or the aid program of the state you hope to go to school in. Financial aid eligibility varies between states, so check out the National Association of Student Financial Aid Administrators to see what grants, programs, and aid options are specifically available in the state you live or get educated in.
You can read more about your options here in our full guide to DACA.
Student loans are confusing. There is so much competing, incorrect, and opaque language out there about student loans and what they are, so we’ve decided to make this guide to help. It may not answer all your questions, but it should answer most of them! This guide is organized by degree type, so you’ll see information for Undergraduate, Graduate, Graduate (MBA), and Graduate (Law, Medical School). We’ll also include tips for what to do with your student loans after you’ve graduated.
If you are an undocumented student or are eligible for DACA, financing your education can be challenging. Here’s how to pay for college as a DACA student.