Also known as: Juno; LeverEdge
Juno, formerly known as LeverEdge, operates as a student loan negotiating service rather than a direct lender. It groups borrowers together to negotiate lower interest rates with lenders on their behalf, then passes those rates to members. This model is different from a traditional lender relationship.
Before using Juno or any private student loan service, you should complete the FAFSA and exhaust federal student loan options. Federal loans from the US Department of Education offer income-driven repayment, deferment, forgiveness programs, and other protections that no private loan product, regardless of rate, can replicate.
Juno's approach involves forming a group of student borrowers and negotiating with banks and credit unions to offer rates that are lower than those members might find independently. The actual loans are issued by the partner financial institution Juno selects, not by Juno itself.
For graduate students and MBA candidates in particular, Juno has historically focused its efforts and may offer access to competitive fixed or variable rate products through its partner lenders. Undergraduate student loan products may also be available depending on current offerings.
Because the lender in a Juno arrangement is a third-party institution, it is important to understand and evaluate the terms set by that actual lender, including the annual percentage rate, repayment terms, co-signer requirements, and any fees, rather than focusing solely on the rate Juno advertises.
Juno also offers student loan refinancing negotiation for graduates. If you are considering refinancing federal loans through any path Juno provides, be aware that this permanently removes access to federal income-driven repayment, Public Service Loan Forgiveness, and other federal protections.
Verify current lender partners and product availability directly with Juno before applying.
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Student Loans
Juno; LeverEdge
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2026-06-06
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Group-negotiated private student loans; student loan refinancing
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Date checked
2026-06-06
Is my loan with Juno (formerly LeverEdge) a federal or private loan?
Check your account at StudentAid.gov to see federal loan details. If your loan does not appear there, it is likely a private loan. Your loan agreement or promissory note will also state whether it is federal or private.
What repayment options does Juno (formerly LeverEdge) offer?
For federal loans, income-driven repayment plans are generally available regardless of which servicer handles your account. For private loans, options depend on the lender's own hardship programmes. Ask your servicer specifically about deferment, forbearance and income-based options.
How do I complain about Juno (formerly LeverEdge)?
For federal loan servicer complaints, contact the FSA Feedback System at studentaid.gov/feedback-center. For private loan complaints, use the CFPB complaint portal at consumerfinance.gov/complaint.
What happens to my loan if Juno (formerly LeverEdge) changes?
Federal student loan servicers can change. Your loans and their terms remain the same. Always update your contact information at StudentAid.gov.
Where can I get free help with my student loans?
StudentAid.gov has free tools and information on repayment options. The CFPB has a student loan guide. Be wary of companies that charge fees for help with student loan repayment plans you can access for free.
Check your federal loans at StudentAid.gov. Ask Fin's free tools can help with budgeting around loan payments.
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