High-balance student loan refinancing
Have $100K+ in student loans?
Your balance may qualify you for better refinance offers.
Juno helps borrowers with six-figure student loan balances compare competitive refinance rates from multiple lenders, including preferred pricing and exclusive Juno benefits.1
- Soft credit check to view rates
- See multiple lender offers
- No obligation to refinance
More ways to save
A high student loan balance can mean more opportunities to save.
When you're refinancing six figures of student debt, small differences in interest rates can add up to thousands of dollars. That's why shopping your options matters.
With Juno, you can check offers from multiple lending partners at once and automatically see the benefits available to you, including preferred lender pricing and Juno-exclusive discounts.
One rate check. Multiple lenders. Your best offers, all in one place.
Preferred pricing for balances $100K+*
Some Juno lending partners offer preferred pricing to qualified advanced-degree borrowers refinancing higher student loan balances. Combine that with Juno's exclusive lender discounts2 and you may qualify for rates even lower than the lender's standard refinance pricing.
Up to $1,000 cash back3
Prefer an offer with a cash bonus? Eligible borrowers refinancing through Juno can receive:
- $500
when refinancing up to $150,000 - $1,000
when refinancing more than $150,000
$0 to use Juno
Compare offers from multiple lenders and access our negotiated benefits at no additional cost to you. There's no obligation to refinance.
*Not all borrowers may qualify. For graduates with a DDS, DO, DVM, MD, PharmD, JD, MBA, or other graduate degree and existing student loan balances greater than $100,000.
Your results will show the offers available to you so you can compare the actual rates and benefits side by side.
You don't have to choose
You don't have to choose between a better rate and a bigger bonus.
One lender may offer preferred pricing. Another may offer a cash bonus. But that doesn't necessarily mean the lender with the discount will have your lowest rate. Every lender evaluates borrowers differently.
Juno lets you see the offers you prequalify for across our lending partners and organizes your results by rate, making it easy to see which lender is offering the best deal for you.
One search. Multiple offers. No guesswork.
Example lender offers (illustrative)
Lender B
6.50%APR
Preferred high-balance pricing
The best benefit isn't always the best rate. That's why Juno shows you every offer you prequalify for, so you can choose what's best for your situation.
Your rate matters more at higher balances
With a six-figure balance, your rate matters.
When you're refinancing $100,000, $200,000 or more, shopping for a competitive rate can make a meaningful difference.
Example: $200,000 loan over 10 years (illustrative)
| Interest rate | Monthly payment | Total interest |
|---|---|---|
| 7.00% | ~$2,322 | ~$78,700 |
| 6.50% | ~$2,271 | ~$72,500 |
| 6.00% | ~$2,220 | ~$66,400 |
~$12,000
in potential interest savings with a 1% lower rate*
*Illustrative example only. Actual rates, payments and savings vary based on loan balance, term, borrower qualifications and lender.
How Juno works
Get your personalized offers in three simple steps.
-
1
Check your rates
Tell us a little about yourself and your student loans. Checking your initial offers uses a soft credit inquiry and does not affect your credit score.
-
2
Compare personalized offers
See the lenders and rates you prequalify for, including applicable Juno discounts, high-balance pricing and cash-back offers.
-
3
Choose what's best for you
Compare your options and select the lender, rate and term that work best for your financial goals. There's no obligation to refinance.
Expert guidance when you need it
Not sure whether refinancing makes sense?
With a large student loan balance, refinancing can be a significant financial decision, especially if some or all of your debt is federal.
Juno offers free one-on-one student loan consultations to help you understand the bigger picture.
Free. Personalized. No obligation to refinance.
Our experts can help you:
- Compare refinancing with your federal repayment options
- Understand what happens to federal benefits if you refinance
- Evaluate monthly payment and long-term interest savings
- Review different refinance terms and offers
- Build a strategy around your income and financial goals
Built for advanced-degree professionals
Supporting borrowers across a range of careers.
- Physicians
- Dentists
- Attorneys
- Pharmacists
- Veterinarians
- MBAs
- And more graduate professionals
Frequently asked questions
Can I refinance more than $100,000 in student loans?
Yes. Juno's lending partners can refinance high student loan balances for qualified borrowers, subject to each lender's underwriting requirements and loan limits.
Are there benefits for refinancing a high student loan balance?
Potentially. Some lending partners offer preferred pricing to qualified high-balance borrowers. Juno also offers exclusive lender benefits, including interest-rate discounts and cash-back bonuses for eligible borrowers.
How much cash back can I receive?
Eligible borrowers can receive a $500 cash bonus when refinancing up to $150,000 or a $1,000 cash bonus when refinancing more than $150,000 through the applicable Juno lending partner. Eligibility and terms apply.
Does checking my refinance rate hurt my credit?
You can initially check your prequalified offers with a soft credit inquiry, which does not affect your credit score. A lender may perform a hard credit inquiry if you proceed with a full application.
Should I refinance federal student loans?
It depends. Refinancing federal student loans with a private lender means giving up federal benefits, including access to federal income-driven repayment and potential federal loan forgiveness programs. Juno's student loan experts can help you compare your options before you make that decision.
See how much your student loans could save you.
The bigger your balance, the more important it can be to shop for the right rate. Compare personalized offers from Juno's lending partners and see whether you qualify for preferred pricing, exclusive discounts2 or up to $1,000 cash back.3
Soft credit check. Multiple lenders. No obligation to refinance.
Have questions first? Talk to an Expert