We negotiated the lowest private grad loan rates for you, for free

Free for you - How?
Takes <1 minute to join - Why?
No credit check - Why?

The Lowest Private Student Loan Interest Rate. Guaranteed.

Juno guarantees that you won’t find a better private student loan interest rate than the deal we bring you from our lending partner. If by some miracle you do, we’ll beat it. Details here.

Need a loan for Fall 2022?

Join our bargaining group here.
Juno Notebook

Benefits of joining Juno

Exclusive rate discounts

Exclusive rate discounts

Join us for free to access exclusive rate discounts that save you more money than if you went to our lending partner directly. For the median member, we expect the rates will be ~1.6% lower.

Price match guarantee

Price match guarantee 1

We’re so confident in our deals that if you find a better one from another lender, tell us, and we'll give you the cash to make up the difference (comparing “apples to apples” when it comes to loan terms). Plus, get extra cash on top (1% of the loan amount).

Free to access

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

Why you should trust us

01
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.

02
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.

Number 1
Number 1 03
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.

04
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 $200M at discounted rates. Over 50,000 members have trusted Juno to negotiate more affordable student loans for them.

By the numbers

50,000+

members

$430M+

in negotiated loans

1985+

eligible universities

How we save you money

Students Sign Up

Through the power of 50,000+ 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 reduced interest rates, is better for them. And better rates is better for you. It’s a rare win win.

Estimated Savings for Juno Members

Select your loan amount to see estimated savings for the repayment plan and rate type similar to Grad PLUS loans.

Enter Loan amount:
$
Estimated Savings:

$0 - $0

The calculation above is for a loan with a 10 year loan term, a fully deferred repayment plan and a fixed interest rate loan applied for without a co-signer for a program with two years left prior to graduation. This calculator is a tool to help you visualize repayment options for student loans based on various loan amount scenarios provided by you. The information on this page is presented for general personal finance education and it is not intended to provide legal, financial, or tax advice. The accuracy of the calculated results is not guaranteed, and the results are intended for illustrative purposes only. This calculator does not indicate whether you would qualify for a loan, and the interest rate you are approved for you may be higher than the options shown in this calculator if you do qualify. Note that the outputs of the calculator may not align with loan agreement terms due to several factors, such as your repayment schedule, the interest rate approved for you, whether you end up choosing a fixed or variable interest rate upon approval, the timing of disbursements, co-signers and time left for graduation. In addition, if you choose a variable interest rate loan, which is not represented in this calculator, your actual savings over time may be less, and may even be negative, if your variable interest rate increases.

Who is this for?

For graduate students with 650+ credit scores seeking a private student loan, we know we have the best deal out there. That’s why we have our price match guarantee, along with the cash bonus, for anyone who can find a better private student loan.

Students Standing Around
International Passports

Do I need a co-signer? What does that mean?

We do not expect graduate students to require a co-signer. However, we do expect graduate students with co-signers to be able to get better rates.

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 U.S. lender. Policies and requirements vary by lender.

How does this compare to federal loans?

The current rates for federal loans are 5.284% (Federal Direct Unsubsidized loan with a ~1% origination fee) and 6.284% (Grad PLUS loans with a ~4.2% origination fee).

In comparison, our lending partners do not charge any origination fees. We are expecting most Juno Members will receive interest rates that are substantially better when compared to the Grad PLUS loans.

You’ll also want to consider whether you’ll need perks offered by federal loans such as repayment protections, income-based repayment plans and forgiveness.

Lenders Compete

Rates


Check out the rates we negotiated

We really wish we could tell you your exact rate, but everyone gets a different rate and we’re still honing our crystal ball skills.

Check my rate
Term3 APR4
5 Years .99% - 5.34%
7 Years 2.07% - 5.39%
10 Years 2.87% - 5.42%
12 Years 3.32% - 5.57%
15 Years 3.62% - 5.77%

*APRs include 0.25% Auto Pay discount where applicable 5

$430M+ of loans originated through Juno Partners

Matt, MIT
2021

The rate was almost half of the quotes I had gotten before

Jona, Harvard University
2020

I ended up getting a loan with 5% interest which to me means about $30,000 savings.

Donato, Yale
2020

At the end of the day, it worked out much better [than a Direct PLUS loan].

Nhat, MIT
2020

I was so surprised... 2% lower!

Let's start
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