Your Harvard Business
School Loans
Lower than Harvard's preferred lenders or We'll
Match Them & Give You 1% Cash Back.
Terms and Conditions apply.1
Already a Juno Member? Login Here
How it works
Check your rates
No credit impact, takes 2 minutes.
If your quote beats the HBS preferred-lender rate, awesome, you're set.
Continue with the application.
Otherwise, request a rate match.
We'll drop your rate and add 1% cash-back (e.g., $800 on an $80K loan).
Terms and Conditions apply.1
Need some help navigating through the process?
Book some time with one of our student loan experts here.
Free for you - How?
It takes less than 2 minutes to join - How?
No credit impact to see estimated rates - How?
Our Process
We gather groups of students and get top lenders to give us bulk discounts.
Step 1
Check your rate
It takes less than 2 minutes, with no credit impact. You might qualify for better terms than you think.
Step 2
Compare your offers
See your Federal vs. Private loan options (loan table below). Not sure what loan strategy is best for you?
Step 3
Rate Match Guarantee
We're confident that we'll offer you the most competitive rate, but if you happen to find a lower rate, we'll match it and you'll receive 1% cash back! We'll automatically match the rates of HBS preferred lenders and give you 1% if you don't qualify for a lower rate with Juno. Terms and Conditions apply.1
Email us hello@joinjuno.com to request a rate match.
Nicolas
Harvard Business School
(Class of 2027)
Hear from a member!
"Juno helped me find lenders that made grad school a possibility for me. I would recommend it to a friend without any hesitation."
- Nicolas, HBS '27
Finding the Best Deal:
Comparing Loan Options for
HBS Students
All private loan options include a 0.25% interest rate discount with auto-pay enrollment and applicable rate discounts for fixed payment options. They come with no origination fees and no penalties for early repayment.
* Grad PLUS loans are only available to continuing HBS students who borrowed a federal loan prior to Jul 1, 2026. Incoming students are not eligible.
**HBS Preferred Lender Rates accurate as of May 12, 2026. Rates shown are for a 10 year term. Other terms carry different rates. See Harvard's Preferred Lender List for full details.
*** Eligibility and final rates vary based on factors like your credit history, credit score, income, and existing debt. You can soft check your rate. Meet with one of our team members to discuss your best MBA loan strategy
Meet with one of our team members to discuss your best MBA loan strategy
Our experts will walk you through smart borrowing options tailored to your goals.
Book a call
FAQs
How does Juno make money?
What is the disbursement timing?
Can I increase the loan amount later?
Does my income now influence the rates I would get for the loans?
When does interest begin accruing?
Benefits of joining Juno
Exclusive Cash Back Offers
Join us for free to access cash back offers that save you more money than if you went to our lending partner directly.
Rate match guarantee1
We're so confident in our deals that if you find a better one from another lender, tell us, and we'll match it and give you a cash bonus (comparing "apples to apples" when it comes to loan terms).
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. 2
Our Journey
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.
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.
Free for you
Since our members never pay us, we charge the selected lenders 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.
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 borrow more than $2B+ at discounted rates. Over 296,000+ members have trusted Juno to negotiate more affordable student loans for them.
The Power of Numbers
296,000+
Members
$2B+
In negotiated loans
1,985+
Eligible universities
How we save you money
Through the power of 296,000+ 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 a better deal, is better for them. And better rates is better for you. It’s a rare win win.
Who is this for?
This is for HBS students who plan to borrow to cover any portion of their cost of attendance not met by financial aid, scholarships, or personal savings. Juno is a smart alternative to federal Grad PLUS loans and even HBS's preferred lenders, offering access to exclusive private loan rates plus 1% cash back. That means more savings up front and over time.
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 8.07% (Federal Direct Unsubsidized loan with a ~1% origination fee) and 9.07% (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.
$2B+ of loans originated through Juno Partners
Kam, Wharton
2026I 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.
Matt, MIT
2021The rate was almost half of the quotes I had gotten before
Jona, Harvard University
2020I ended up getting a loan with 5% interest which to me means about $30,000 savings.
Rachel, University of Oregon Parent
2026Juno 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!
As featured in
Testimonials from Juno Members
Here are real stories about how Juno helped our community save money.
Disclosure: Members featured here received compensation in exchange for signing a media release and sharing their story. All opinions expressed are their own, and individual experiences with Juno may vary.
Henry
Northwestern, Class of 2027
Nicolas
HBS, Class of 2027
Tanner
Wharton, Class of 2027
Thanks to all our Juno members for getting us this historic deal!
Matthew
Nicole
Anjelaka
Kartik
Togorya
Marjani
Luke
Mike
Vartika
Grand
Arushi
Kyle
Max
Artur
Mai
Itunu
Nicki
Brittany
Ivan
Michael
Daniil
Rachel
Pranay
Matthew
Vengatesh
Deeksha
Julie
Khalil
Sabareesh
Jane
Alex
Taylor
FMaLo
Adam
Priscilla
Erik
Jordan
Jack
Steph
Nate
Chris
Melanie
Pharoah
Megan
Channing
Tina
Jason
Josh
Molly
Matt
Anais
Josephine
Hanna
Joey
Chris
Sachet
Pavi
Ankit
Alin
Jack
Joe
Janelle
Becca
Tyler
Katrina
Travis
Clio
Carl
Sam
Jordan
Drew
Amin
Judy
Swamit
Jaime
Jess
Bhumika
Kimberly
Connor
Rene
Eugenia
Theo
Mirela
Jennifer
Felicity
Luis
Brendan
Kevin
Jona
Sandi
Ayush
Skylar
Giang
Rishi
Tyler
Betsy
Esther
Sonam
Florene
Melissa
Balaji
Deniz
Samantha
Shen
HyeKyung
Ian
Cory
Cathy
Lieu
Jeff
Campbell
Deniz
Xiaolei
Temitope
Marcelo
Karly
Tuyet
Alex
Jaime
Tim
Mike
Kunal
Tamar
Alex
Kevin
Rob
Perri
Mandy
Shannon
Samantha
Wen
Audrey
Dushyanth
Brandon
Chandler
Megha
Molly
Kalyan
Jyoti
Josh
Elocin
Stephanie
Lucas
John
Michael
Danny
Kiersa
Alix
Akash
Andrew
Darren
Sean
McKee
Lindy
Nathan
Kyle
Diego
Lily
Daniel
Joseph
Dan
Aimee
Kebin
Dee
Adam
Jordan
Deek
Gayatri
Humberto
Khasimul
Julianna
Dominic
Nick
Chichi
Milind
Suphawit
Emma
Anna
Sonal
Chanakya
Rahul
Krish
Erica
Trey
Greg
Irakli
Jovanna
Lowell
Ashwin
Frank
Jeff
Jenny
Katie
Josh
Catherine
Chandra
Michael
Ben
Toyin
Jeffrey
Katie
Shubhen
Rafael
Ronak
Dominika
Jess
Jorgen
Ayna
and 296,000+ others!