We negotiated the lowest private student 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.

Juno Notebook

We're better than Parent PLUS loans for those with good credit

As a reminder, Federal Stafford loans likely offer better options to undergrads, but it’s very common that students need to borrow more than that federal limit ($5,500 for the first year, etc).

Juno’s deal is best used for the remainder of financial need, and can be used in lieu of a Parent PLUS loan (6.284% for 2021-2022 with a ~4.2% origination fee) which can be more expensive than a private loan for those with good credit.

In comparison, one of our members got a 5.04% interest rate without any fees. That’s the difference of $1,479.89 – $32,643.6 through Juno versus $34,123.49 through Parent PLUS.* Individual results will vary.

*using a loan amount of $25,600 (average for Parent PLUS) over ten years. Additional terms apply.

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

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.

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.

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




in negotiated loans


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.

Who is this for?

For undergraduate students, those who need to borrow above the federal lending limit can save money using our deals as an alternative to Parent PLUS loans. We currently have a student loan deal with an exclusive rate discount that can help families bridge the gap after they’ve hit the federal lending limit.

Students Standing Around
International Passports

Yes, students will likely need a co-signer. Here's what that means.

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. We expect undergraduate students will need a co-signer.

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.


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 1.04% - 10.27%*
7 years 2.28% - 10.37%*
10 years 2.38% - 10.44%*
12 years 2.43% - 10.44%*
15 years 2.48% - 10.44%*

*APRs include 0.25% Auto Pay discount where applicable 5

$400M+ of loans originated through Juno Partners

Matt, MIT

This is the way to go for student loans.

Jona, Harvard University

The best deal.

Donato, Yale

It worked out much better!

Nhat, MIT

Much lower and no initiation fee!

Let's start
Individual results may vary.
As featured in

Hear from a member!

“I just wanted to let you know, after 4 years of applying for private student loans, going through [Juno was] by far was the easiest, fastest, and smoothest, process… It was the easiest application and fool-proof. Every year it is a stressful process filling out all those private loan applications, but this was the best.

He/we ended up getting a fixed rate of 5.04%, payable starting 9 months after he graduates, payable over 10 years.

Thank you again!”

Andy Avatar

Ringling College of Art + Design, 2024

Individual results may vary.