Grad PLUS loans are gone for new students, and the rules for what replaces them are still being decided in court. So how do you actually pay for PA school in 2026? Savanna sits down with Leah Young, Head of Student Success at Juno, to walk through federal vs. private loans, what your credit score needs to look like before you borrow, how compound interest sneaks up on you, and the questions to ask before you sign anything.
In this episode:
What happened to Grad PLUS and what the new federal limits ($20,500 vs. $50,000 per year) mean for PA students
The federal loan rate this year is 8.07% plus an origination fee. Juno's average private rate for PA students on a 10-year term is about 7.5%
Why your own credit score and history (not your parents') decide your rate, and the 640 to 670 FICO floor most lenders look for
83% of PA students who apply through Juno without a cosigner get approved
In-school payment options and how program length changes your total cost
Why nobody should pressure you into a loan, and how to compare offers without hurting your credit
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