Graduate loans are changing — join the group negotiating better options.

Starting Fall 2026, federal graduate loans will be capped: $20,500 per year for most master’s programs and $50,000 per year for professional degrees. But many programs cost far more, leaving a large gap to cover. Juno negotiates private loans with better rates and terms, so grad students don’t overpay.

100% Free

No credit check to join

Zero obligation

Reserve Your Free Spot


We'll email you when negotiated rates are available (June 2026). Unsubscribe anytime.

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By the numbers

216,249+

Members

$1B+

In negotiated loans

7 Years

Helping students since 2018

The Reality for Graduate Students in 2026

Federal Caps:

$50,000 per year → Professional programs (JD, MD, PharmD, Vet, Dental, PA, Nursing, etc.)

*Per the College Cost Reduction Act (H.R. 6951), graduate borrowing will be capped at $50,000/year and $200,000 lifetime. Read the legislation →

Average Cost of Attendance:

$40,000–$120,000+ depending on program

Many students will need tens of thousands in private loans

What Juno Negotiates for
Graduate Students

Benefit
What It Means for You
Lower Rates
Historically ~1.5% lower than going direct
Cash Back
% of your loan back as a Negotiating Benefit
Increased Eligibility
Qualify without a cosigner or current income
Rate Match Guarantee
If you find a better rate, Juno negotiates to match it + add a bonus
Plus the Usual
No origination fees, no prepayment penalties, flexible deferment while in school

Negotiated benefits in past years. The 2026 group benefits are yet to be determined.

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How Juno Helps Graduate Students

We're not a lender – we're your collective bargaining unit for better loan terms.

Think of it this way

Professional associations negotiate benefits for members that no individual could get on their own. That’s exactly what Juno does for student loans.

We gather thousands of graduate students and tell lenders: “If you want access to this group, you need to offer terms that actually work for future professionals.”

The Power of Numbers

216,249+

graduate students have already joined Juno

$1 billion+

in loans negotiated

Juno is already the #1 loan option at top MBA programs worldwide

Free Support Throughout Grad School

Talk to our team for guidance comparing federal vs. private loans, repayment strategies, or refinancing later. Even if you don’t borrow through Juno, we’re here to help.

Your Path to Better
Loan Terms

Federal loan limits aren't keeping up with graduate school costs.

How it works

01

Join free

Takes 30 seconds, no credit check

02

We negotiate

Lenders compete for your business

03

You Choose

Review options with zero obligation

Your 2026 timeline

Now – May '26

Build our group

Join the waitlist early for maximum leverage

Spring '26

Negotiate terms

Juno runs competitive bidding process

June '26

Share options

You review and decide

July - Aug '26

Start school

Loans disburse after certification

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Massachusetts Institute of Technology (MIT) Logo

1,462 Juno members

Stanford University (GSB, Undergrad, etc.) Logo

1,465 Juno members

University of Michigan Logo

1,511 Juno members

Columbia University in the City of New York Logo

1,862 Juno members

University of California, Los Angeles (UCLA) Logo

1,123 Juno members

University of Pennsylvania (Wharton, Perelman, Undergrad, etc.) Logo

3,024 Juno members

University of Chicago (Booth, Pritzker, Undergrad, etc.) Logo

3,211 Juno members

Duke University Logo

1,333 Juno members

Northwestern University (Kellogg, Feinberg, Undergrad, etc.) Logo

2,388 Juno members

See how students like you saved with Juno

What People Are Saying

These reviews are based on survey responses, Facebook posts, and other chat/social media.

I appreciate that through Juno

I 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.

K

Kam, Wharton

2026

Juno 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!

R

Rachel

2021

I ended up getting a loan with 5% interest which to me means about $30,000 savings.

B

Ben Reisfeld

Feb 20, 2022

FAQ Section For Graduate Students