We use group buying power to negotiate better student loan rates.

Rates negotiated exclusively for members start at 1.04% APR 1

  • Free for you - How?
  • It takes <1 minute to join
  • No credit check

Deals we think you'd love

Undergraduate loans

For undergrads who’ve hit the caps on Federal Student Loans. Our deal takes off 1% on interest (ex. 5% ->4%) & has no origination fee.

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Graduate loans

A good alternative to Federal Loans for people with good credit or a co-signer. All graduate deals feature cashback rewards.

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Refinance loans

Best for people with a steady income. Depending on borrower location & occupation, we’ll recommend the best option. Most deals feature cashback or a rate reduction.

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International health insurance

For those looking for a cheaper alternative to signing on with a university’s mandatory insurance plan.

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How it Works

We gather large groups of students who need help paying for school and get lenders to compete for our business.

Step 1.

You sign up.

Sign up for free and tell us a little bit about yourself and the type of student loan you need. Am I eligible?

Step 2.

We run a bid.

We run a bidding process between banks, credit unions, and other lenders. They compete for our collective business by offering exclusive discounts.

Step 3.

We compare.

We compare all offers, negotiate terms, and select the best options for the group. We share the negotiated deals with you and you can decide to use it or not. There’s no commitment.

Summary (TL;DR)

Join us for free to access exclusive discounts that save you more money than if you went to our partner directly, from rate discounts and/or cash back on student loans to the best cash back deals on refinancing!

We negotiate exclusive deals with our lending partners. Some of our deals feature interest rate discounts while some feature cash back bonuses. (What does cash back mean? Think of it like a signing bonus– when you sign with one of our partners, you can get paid by the lender, us, or both.) Either way, you'll save money, and you won’t get these deals anywhere else.

Why you should trust us

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 the 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.

Since members of the community never pay us, we charge all 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.

Our Track Record

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 at discounted rates. Additionally, our cash back deals have given more than $502,121 back to our members. Over 30,000 members have trusted Juno to negotiate more affordable student loans for them.

By the numbers

  • 30,000+ members
  • $502,121+ in cash back earned by our community in 2020
  • $26,000,000+ in savings compared to federal rates

How we save you money

Lenders spend so much money on marketing. This year, SoFi spent 400 million dollars on the naming rights to a stadium. All those costs get passed along to borrowers in the form of higher interest rates.

Instead, we pitch lenders an alternative: give our members better rates and avoid spending thousands of dollars per customer on marketing. It saves them time and money, and we end up getting our community better rates for free.

Who is this for?

If you’re currently an undergraduate student, we have a student loan deal with an exclusive rate discount that can help you bridge the gap after you’ve hit the federal lending limit.

If you’re currently a graduate student, we have multiple deals with cash back and/or rate discounts. You can easily compare your options against the federal rates and see how much you can save with our comprehensive calculator.

If you’ve graduated and have student loans, refinancing is great for people with high interest student loans, especially private. For private loan borrowers, there’s little downside associated with refinance, and a large potential upside in terms of savings, such as reducing your monthly payment. Right now, those with federal student loans aren’t incurring any interest until at least October 1, 2021. As a result, borrowers of those loans are largely waiting before considering refinancing, but we welcome you to join now and we will remind you when it’s time to think about refinancing.

If you’re an international student, we are continuing our efforts to negotiate better student loan and refinancing options for you. For now, we have a student health insurance deal for international students that can save you thousands.

Got questions?

Drop us a line at hello@joinjuno.com.