Student loans
From your first loan to your last payment.
Plan what you borrow in medical school, protect your federal options in training, and compare refinancing once you’re earning. Free SalaryDr tools, plus negotiated loan offers through our partner Juno.
SalaryDr
Let lenders compete for your student loans.
Juno groups borrowers together and negotiates with lenders on their behalf. Join free through SalaryDr to see the offers Juno negotiates for medical school loans and refinancing.
Join Juno free through SalaryDr
- Free to join, with no commitment to take a loan
- Juno negotiates with lenders for its members as a group
- Joining doesn’t affect your credit score; applying for a loan may
Where are you in training?
- Explore in-school loans
Medical student
Cover this year’s costs after aid and federal loans.
- Book a free loan review
Resident or fellow
Get a free review of repayment, PSLF and refinancing.
- Get a refinance estimate
Attending physician
Compare refinance offers for loans you already have.
Juno announced fixed refinance rates as low as 3.80%, October 15–21, for qualifying graduates with more than $100,000 in student loans. The lowest rate isn’t guaranteed. See who qualifies
Each button opens Juno’s SalaryDr page. Choose “In-School Loans”, “Schedule a Consult” or “Get My Refinance Estimate” there.
How Juno works
- 01
You join
Tell Juno about your degree, school and loans. Membership is free, any time of year.
- 02
Juno negotiates
Juno makes lenders compete for its members’ business, then negotiates the terms.
- 03
You decide
Juno shares the offers it negotiated. Compare them with other quotes. There’s no commitment.
SalaryDr may earn compensation from referrals to Juno. SalaryDr is not a lender. Compare Juno with other quotes and your federal options.
Free tools for every stage
In medical school
In residency and fellowship
A clearer starting point
What’s your funding gap?
Three numbers. One school year. See what’s still left to cover.
The simple equation
Enter all three amounts, including 0 where appropriate, or try the illustration. A gap is a planning number—not a recommendation to take a private loan.
Two rules worth knowing
Federal borrowing for medical school changed in 2026.
Starting July 1, 2026, students who don’t qualify for a limited exception can no longer take out new Grad PLUS loans. Professional students are generally limited to $50,000 a year in Direct Unsubsidized loans, with limits on total borrowing. Some continuing students qualify for different rules, so ask your financial aid office which apply to you, and check Federal Student Aid.
Refinancing federal loans is permanent.
A private refinance pays off the federal loans you choose. Those loans permanently lose income-driven repayment, PSLF and federal deferment, forbearance and discharge protections. Federal Direct Consolidation keeps loans federal, and you can refinance only private loans. Read the refinancing guide.
Questions
Is joining Juno free?
Yes. Joining Juno is free and does not commit you to take a loan. Lenders decide whether to approve you and what terms to offer, so joining does not guarantee approval or savings.
How does SalaryDr make money from Juno?
Juno pays SalaryDr a referral fee when someone who joins through our link takes out a qualifying loan through Juno. SalaryDr is not a lender and does not see your loan application. Our calculators and guides are free whether or not you use Juno.
Does joining Juno affect my credit score?
Juno says joining does not affect your credit score. Checking a rate or applying with a lender can involve a credit check, so review each lender’s policy before you apply.
Should I refinance federal loans during residency?
Refinancing federal loans into a private loan permanently ends their eligibility for income-driven repayment, PSLF and other federal protections. Many trainees who rely on those programs refinance only private loans, if any. Use the PSLF calculator and a free loan review before you decide.
Loan rules change. Confirm your situation with your school’s financial aid office, your loan servicer and Federal Student Aid’s Loan Simulator. This page is education, not individual financial advice.