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

Rates negotiated exclusively for members start at .99% 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 Federally Held Student Loans. Our deal is usually better than Parent PLUS for those with 650+ credit & 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. We guarantee the lowest student loan interest rates on the private market.

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Refinance loans

Lower your existing student loans by converting them into a new loan with a better interest rate. Best for people with a steady income. Depending on borrower location & occupation, we’ll recommend the best option. Most deals feature a signing bonus 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, diverse groups of people and get companies to compete for our business.

How it Works
Step 1.

You sign up.

Sign up for free and tell us a little bit about yourself.

Step 2.

We run a bid.

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

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 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, diverse 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 60,000 members have trusted Juno to negotiate more affordable student loans for them.

By the numbers

  • 60,000+ members
  • $502,121+ in cash back earned by our community in 2020
  • Millions in savings

How we save you money

Lenders spend lots of money on marketing. For example, SoFi reportedly will spend $400M over 20 years for the naming rights to a stadium. In comparison, 80%+ of our members find out about us from a friend.

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. You don't need to stick with Sallie Mae or Parent PLUS loans.

If you’re currently a graduate student, we have a negotiated student loan deal just for you. 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 federally held student loans aren’t incurring any interest until February 1, 2022. 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.