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Everything you need to make smarter decisions about paying for medical school. Explore tools, guides, and expert insights on loans, rates, repayment, and key policy changes.

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Medical Loan Frequently Asked Questions

Expert answers to common Medical loan questions, all in one place.


Can international medical students apply?
Yes, if you have a U.S.-based cosigner.

Are rates locked for all four years?
Typically no, loans are applied for annually. Rates depend on market conditions each year.

Will I need a cosigner?
Many medical students qualify without one, particularly at US MD programs.

Why do medical students use Juno instead of federal loans?
Some use Juno to lower total borrowing costs, especially if they expect high post-residency income.

Do private lenders consider residency income?
Yes, lenders model future earnings, not just current income.

Is deferment available during residency?
We are negotiating for private lenders to offer in-school and residency deferment.

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