Incoming D1 Student
UPenn School of Dental Medicine · 2030
Credit Score Exceptional
2.74%APR
20-year
fixed
fixed
With cosigner & no income
🩺Referred by Explore Health Careers — check your Juno member offers, free in 2 minutes. See your offers →
IN COLLABORATION WITH
IN COLLABORATION WITH
Explore lower-cost graduate healthcare loans through Juno.
Juno is a free membership that gets future health professionals discounted rates and cash back from multiple lenders.
Free for you -
How?
<2 Minutes to check rates -
Why?
No credit impact to see estimated rates -
Why?
Rate Match Guarantee
With rates starting at 2.19%1 APR, we think it's unlikely you'll get a better deal elsewhere but we have a rate match program in case you manage to find something! Details here.
Lower rates aren't the only thing we won for you
Expanded Eligibility
In 2025, over 80% (1,200+) of graduate Juno members with no current income and no cosigner qualified for at least one private loan option through Juno. If you do have access to a creditworthy cosigner, adding one may still reduce your interest rate.
Automatic Residency Deferment
Automatic residency deferment with a healthcare-focused lender is offered in our marketplace to provide $25 per month loan payments during residency and automated residency deferment options for specific programs.4
Multi-Year Eligibility
Juno secured multi-year eligibility with a healthcare-focused lender in our marketplace. If eligible, you may obtain additional funding from this lender for the same program.5
Graduate healthcare resources
Guides and calculators for every graduate healthcare degree, all in one place.
Loan guides
Calculators & budgeting tools
Our Journey
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.
03
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.
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 borrow more than $1B+ at discounted rates. Over 290,000+ members have trusted Juno to negotiate more affordable student loans for them.
The Power of Numbers
290,000+
Members
$1B+
In negotiated loans
1,985+
Eligible universities
How we save you money
Through the power of 290,000+ students
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 are better for you. It’s a true win-win scenario.
Frequently asked questions
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.
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.
Graduate healthcare students should weigh a few key factors when comparing federal and private loans. Federal loans include borrower protections such as income-driven repayment plans like the Repayment Assistance Plan (RAP), and borrowers may be eligible for Public Service Loan Forgiveness (PSLF) if they work full-time at a qualifying nonprofit or government employer and meet all program requirements.
Note: For students beginning graduate healthcare programs after July 1, 2026, Grad PLUS loans will no longer be available, and Federal Direct Unsubsidized loans will be capped at $50,000 per year for professional degree programs (such as medical, dental, veterinary, and pharmacy) and $20,500 per year for other graduate degree programs. Read more here
$1B+ 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!
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