Juno welcomes Pacents members! 

We use group buying power to negotiate better student loan refinancing rates. 
Check out below the deals we've negotiated for medical professionals. 
As featured in
Techcrunch Logo
Wall Street Journal Logo
Boston Globe Logo
Clear Admit Logo
Above the Law Logo
Yahoo Logo

Juno benefits

We’ll give you back a little extra for joining through us depending on your refinance option.

Folded medical clothing

Medical refinance loan

Our partner offers rates that are .25% lower (ex. 3.5% becomes 3.25%).

Textbooks

Loan Refinancing Benefits

You’ll receive up to $1,000 total (from both us and our partners) for refinancing through us.

Common question:

Why should I refinance my student loans?

Reason one: Lower your interest rate

By refinancing your existing student loan, you may qualify for a lower interest rate and save money on your student loan. This is often because lenders view a graduated student with a full-time job as more likely to pay off the loan than a student that has not yet graduated. Additionally, the interest rate environment may also contribute to a lower rate.

Reason two: Consolidate your loans

Let’s say your student loans are split between Lender X, Lender Y, and Lender Z. Keeping up three different accounts to pay off can be hard to manage. Refinancing allows you to only pay one entity.

Reason three: Lower your monthly payment

Refinancing your student loan could lower your monthly loan payments. A lower interest rate or a longer term often results in lower monthly payments.

For example, you might have set things up so that you pay your loan back in 10 years. Let’s say after 6 years you’d be paying a lower monthly payment. You could decide to replace that loan with a new loan that you pay back over a new 15 year term. This plan would reduce your minimum payment, though it would also increase the total cost of the loan because there is more time for interest to rack up.

Am I a good fit for refinancing?

Refinancing is a great option for people who have a solid grasp on their financial security already and are looking to lower their interest rates or pay off their loans faster.

If you haven’t graduated yet, if you aren’t up to date on your student loan payments, if you don’t have a steady income, if your credit score isn’t at least in the high 600’s, then refinancing is probably not for you.

Additionally, consider if you might need the safety nets that federally held student loans offer such as public service loan forgiveness or income driven repayment plans before you refinance.

Benefits of the negotiated deal

-> Lower Rates (Options available based on lender)
-> Up to $1000 Cash Back (Options available based on lender)
-> No Fees (No Application, No Origination and No Prepayment Fees)5
FAQs

How does Juno make money?

We charge our partners a percentage of the loan amount our members borrow from lenders – it’s set before the formal auction, so companies can’t sway us by offering more money. The partner is selected based on Juno's analysis with the objective of finding the partner that will offer you the best rates. 

When you use our special link, you’ll get a discount from the lender, or other incentive such as a cash payment from Juno, which we’ve negotiated. We’ll receive the fee described above from our partner, which is calculated as a percentage of your final loan amount, but you’re always free to go directly to the partner’s site as well.

To clarify, we receive compensation from the financial services companies appearing on this page.

Can I apply at any point of the year and get the same rates?

Not necessarily - rates tend to fluctuate and our deals can change. The partnerships that we have on specific deals are time limited. Once you know you need a loan, that would be a good time to sign up. 

In general, signing up early helps us negotiate a better deal because we can demonstrate demand to partners. 

Do you expect the interest rates to change?

There's a general expectation that rates may begin to decline in the coming months. However, it’s certainly not guaranteed. Further, it is important to note that the quotes provided by lenders do not necessarily follow benchmark interest rates. 

The good news is that you can refinance multiple times, so you don't need to time the market perfectly. 

Why do lenders participate? 

Banks spend a lot of money on marketing to find customers. By showing up directly, all of those marketing dollars saved end up translating to money in your pocket. 

What’s the timeline? 

We collect names and emails all year round. Once a year, we negotiate with banks. After that, we release our negotiated interest rate deal. Folks usually have several months to decide whether they’d like to take it – there's no obligation to do so. 
Progress Progress

Thousands of members helped us get here

Thanks to our community, we’ve successfully negotiated a deal for our members. Now, you’re free to join and access those same options.

Check my rate