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  • The brief
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  • Idea portfolio
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  • This week · 6
  • This quarter · 9
  • Big bets · 3
  • Wildcards · 3
  • How we can help
Generated Oct 18, 2026
  1. Programmable
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growth playbook · Oct 18, 2026

joinjuno.com (opens in a new tab)

Juno growth playbook

Diagnosis

The end of Grad PLUS for new borrowers in July 2026 left graduate students with funding gaps, and Juno is hiring to meet that demand: a Growth Marketing Manager to expand a profitable paid engine into TikTok, Reddit, creators and SEO/AEO; three lifecycle and email roles measured on funded loans; heads of growth for nursing, medicine, law and healthcare; and up to fourteen regional directors for financial aid offices.

The assets are strong (299,000 members, $2B+ in loans, per-school MBA pages and degree calculators, a dental ambassador model with the best conversion in the company), but the new verticals lack the pages and calculators the older ones have, headline numbers differ across pages, and email authentication is not enforced before a big increase in sends.

Growth Score

7/10

Biggest Opportunity

Own the moment a graduate student first sees their funding gap: program calculators, school pages, aid-office sessions and ambassadors that bring them into a negotiation group months before they borrow.

Biggest Risk

Lending advertising rules and fast-changing federal policy make every claim a compliance question, and well-known lenders and rate marketplaces (Sallie Mae, College Ave, Credible) are chasing the same newly unfunded students.

01

Start here

The three moves to make first. Each one is written up in full below.

  1. 1

    Build what the new nursing vertical is missing: CRNA, DNP and MSN pages with a "your Grad PLUS gap" budget calculator

    Copy the dental budget calculator, change the defaults to CRNA program costs, and have compliance review the copy this week.

    High impact First result in 3-6 weeks
  2. 2

    A "rate offer, no application" flow that answers the top five reasons students stall

    Pull members with a rate offer older than 14 days and no application, by vertical.

    High impact First result in 3 weeks
  3. 3

    A financial aid office kit: one-page explainer, resource-page wording and a webinar slot request

    Draft the one-page explainer and send it to compliance.

    High impact First result in 4 weeks

02

Your idea portfolio

21 ideas, grouped by when to run them. Open any idea for how to run it: the steps, who to approach, copy you can use, and how to measure it.

  • 6 ideas are marked Unexpected: plays you are unlikely to have tried.

    1 of these are things Programmable can build and run for you.

Every idea placed by the effort it takes against the impact it could have. Quick wins sit top left; select a number to open that idea. The filters below narrow the list by status, timing, category and what Programmable can build.

Effort vs impactEach number is an idea. Select one to open it.
Impact →
Quick wins · 2Big bets · 12Fill-ins · 5Reconsider · 2
Effort →

Showing 21 of 21 ideas

This week 6

Quick wins with a clear first action.

  • 01

    Nursing is a brand-new vertical with a dedicated head of growth, but the site has budget calculators for MBA, medicine, vet, pharmacy, dental and law and none for nursing. The nursing loans page never mentions CRNA, DNP or MSN, and its testimonials are from Wharton and Harvard. A CRNA student who just lost Grad PLUS searches for their own program and their own gap.

    High impactMedium effort First result in 3-6 weeks Head of Growth & Partnerships

    First action

    Copy the dental budget calculator, change the defaults to CRNA program costs, and have compliance review the copy this week.

    How to measure it

    Nursing sign-ups from the new pages

    Now
    –
    Target
    1,500
    By
    end of the 2027 application cycle

    Steps

    1. 1

      Copy the calculator

      Reuse the dental or pharmacy budget calculator with nursing program defaults.

      Growth Marketing Manager 2 days

    2. 2

      Add the federal limit

      Show the annual Direct Unsubsidized limit and the remaining gap, with the source and date.

      Head of Growth & Partnerships, Nursing Schools 1 day

    3. 3

      Write three program pages

      CRNA, DNP and MSN: typical costs, timing of borrowing, what changed in July 2026, FAQs.

      Head of Growth & Partnerships, Nursing Schools 1 week

    4. 4

      Compliance review

      Every rate, APR range and claim checked before publishing.

      Compliance review 3 days

    5. 5

      Swap in nursing voices

      Two nursing members quoted, with consent.

      Student Engagement Manager, Healthcare Schools 2 weeks

    6. 6

      Link from partners and ambassadors

      Associations, NCLEX prep partners and campus chapters get the calculator link.

      Head of Growth & Partnerships, Nursing Schools ongoing

    7. 7

      Measure

      Calculator completions, joins and rate checks, weekly.

      Growth Marketing Manager 30 minutes a week

    First result
    3 to 6 weeks
    Cost
    $0 to $2,000, about two weeks of work
    Owner
    Head of Growth & Partnerships, Nursing Schools

    Smallest test

    Ship the CRNA calculator alone and share it with two CRNA student groups.

    Build this page. The page built from this outline, in your voice, live on your site. Usually live within days.

    Book a working session

    Why it works

    Publish three program pages (CRNA, DNP, MSN) and one calculator: pick the program and school, enter tuition and living costs, and see the federal limit ($20,500 a year for graduate students under the new rules) and the gap left to fund, with a compliance-reviewed explanation of options and "join the 2027 negotiation group" at the end. Add two nursing student quotes as soon as members agree.

    The nursing head of growth is asked to reach hundreds of CRNA, DNP and MSN programs and become "the go-to resource for nursing student financing". The other verticals already have calculators, so the template exists, and a calculator that shows a student their own gap is the strongest reason to join a negotiation group months before they borrow.

    Ready to use

    Landing page outlineCRNA loans page

    H1: Paying for CRNA school after Grad PLUS
    1. What changed on July 1, 2026 (federal limit, with source and date)
    2. Your gap: calculator (program, school, tuition, living costs)
    3. How the Juno negotiation group works (free, no credit impact to join)
    4. Rates: current APR ranges with conditions (compliance-approved)
    5. Questions CRNA students ask (cosigners, in-school deferral, refinancing later)
    6. Join the 2027 CRNA group

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    • Program costs vary widely by school

      Let students enter their own numbers and label defaults as examples.

    Evidence

    • HiringHead of Growth & Partnerships, Nursing Schools: "Nursing is a brand-new vertical for Juno"; reach "hundreds of CRNA, DNP, and MSN programs"; national deals, campus chapters, NCLEX prep companies and nursing associations; a campus ambassador network; know "the top five reasons a nursing student with a rate offer never submits an application". Parallel heads of growth are open for MD schools, law schools and healthcare (pharmacy, PT, vet).Source
    • programmable.infoSite scan: 723 URLs, including 571 financial-literacy articles, 46 per-school MBA loan pages (HBS, Kellogg, CBS and others) and budget calculators for MBA, medicine, vet, pharmacy, dental and law, but none for nursing, PA or PT, and only 3 graduate-nursing articles. Webinars exist per degree. DMARC is set to "none", and Mozilla Observatory grades the site C.Source
    • Your websiteNursing loans page: "2026 Nursing school loan rates are live"; Earnest and ELFI named in footnotes; a "2027 negotiation group" waitlist; the page does not mention CRNA, DNP or MSN programs, has no calculator, and its named testimonials are from Wharton, MIT and Harvard students.Source
    • Search resultsGrad PLUS ended for new borrowers on July 1, 2026; new borrowers can still take Direct Unsubsidized loans of up to $20,500 a year for graduate students and $50,000 a year for professional students.Source
    • HiringEvery post opens with the same shift: "In July 2026, new caps on federal graduate loans, including the elimination of Grad PLUS for new students, came into effect, leaving millions of students with significant funding gaps."Source
  • 02

    The homepage says 299,000 members, the job posts say 290,000+, older pages say 230,000+ and $1B+, and the savings claims ("up to 4%", "average 1.5%") come with specific dates and groups. For a lending brand, a number that changes from page to page is a trust problem and a compliance problem.

    Medium impactLow effort First result in 3 weeks Marketing Communications Mana…

    First action

    List every page and template that states a member count, volume or savings figure.

    How to measure it

    Unapproved headline numbers live

    Now
    –
    Target
    zero
    By
    3 weeks

    Steps

    1. 1

      Inventory the numbers

      Site, email templates, SMS, job posts, press kit.

      Marketing Communications Manager 1 day

    2. 2

      Write the claims sheet

      Each number with its source, date range and wording.

      Marketing Communications Manager 1 day

    3. 3

      Compliance approval

      Approve wording and conditions once.

      Compliance review 2 days

    4. 4

      Replace everywhere

      Update pages and templates; use one variable where possible.

      Growth Marketing Manager 3 days

    5. 5

      Monthly refresh

      Update counts on the first of each month.

      Marketing Communications Manager 1 hour a month

    6. 6

      Share with partners

      Regional directors and partners get the same sheet.

      Regional Director, University Partnerships 1 hour

    First result
    3 weeks
    Cost
    $0
    Owner
    Marketing Communications Manager

    Smallest test

    Fix the homepage, the nursing page and the job post template first.

    Why it works

    Keep a single claims sheet (member count, loan volume, average rate reduction with its date range and group, lender names) approved by compliance, update it monthly, and replace every hard-coded number on the site, in email templates and in job posts.

    The Marketing Communications Manager owns the Juno voice across every send. One approved source makes every channel consistent and makes compliance review faster for the growth and lifecycle teams.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    Evidence

    • Your websiteHomepage: "Access lower cost private student loans, exclusively through Juno"; 299,000 members; $2B+ in loans; up to 4% lower rates and an average rate reduction of 1.5% (January 1 to June 27, 2025) for the main domestic graduate group; free to join, lenders pay Juno a fee; joining never affects credit. No customer quotes appear under "Juno in Your Words".Source
    • HiringLifecycle, Email and Marketing Communications Manager posts: Juno "sends at high volume to a member base of 290,000+, and the gap between a good send and a great one is measured in funded loans"; email and SMS in Customer.io across grad, undergrad and refi; segments by "vertical, school, application stage, loan status, and timing"; measured on applications started, completed and loans funded; messaging routed through compliance review.Source
    • Search resultsFunding is reported inconsistently: Wellfound lists a $2.5M seed (May 2020) backed by NFX and Global Founders Capital, while CB Insights reports an $8.5M Series A in July 2024 that I could not confirm elsewhere. Older pages cite 230,000+ members and $1B+ in volume.Source
  • 03

    Juno's DMARC policy is "none", so anyone can send email that appears to come from Juno. It is hiring three people to send more email and SMS to 290,000+ members about borrowing decisions, which is exactly the content scammers imitate.

    Medium impactLow effort First result in 4 weeks Email Marketing Manager

    First action

    Add a reporting address to the DMARC record and list every service that sends as joinjuno.com.

    How to measure it

    DMARC at quarantine or reject

    Now
    –
    Target
    quarantine
    By
    4 weeks

    Steps

    1. 1

      Turn on reports

      Add rua reporting to the DMARC record.

      Email Marketing Manager 1 hour

    2. 2

      List senders

      Customer.io, Google Workspace, any CRM or survey tool.

      Email Marketing Manager 1 day

    3. 3

      Fix alignment

      SPF and DKIM pass for every legitimate sender.

      Email Marketing Manager 1 week

    4. 4

      Move to quarantine

      After two clean weeks of reports.

      Email Marketing Manager 1 hour

    5. 5

      Then reject

      After another clean month.

      Email Marketing Manager 1 hour

    6. 6

      Add BIMI

      Logo in supporting inboxes.

      Email Marketing Manager 1 day

    First result
    4 weeks
    Cost
    $0 to $100 a month for a reporting tool
    Owner
    Email Marketing Manager

    Smallest test

    Turn on reporting this week and read the first report.

    Why it works

    Review DMARC reports for two weeks, make sure Customer.io and every other sender pass SPF and DKIM, then move to "quarantine" and later "reject". Add BIMI with the logo once enforced.

    Enforcement protects members from spoofed loan emails and improves inbox placement for the campaigns the new hires will run, which the job posts measure in funded loans.

    Risks and how to handle them

    • A forgotten sender gets blocked

      Two weeks of reports before quarantine, and quarantine before reject.

    Evidence

    • programmable.infoSite scan: 723 URLs, including 571 financial-literacy articles, 46 per-school MBA loan pages (HBS, Kellogg, CBS and others) and budget calculators for MBA, medicine, vet, pharmacy, dental and law, but none for nursing, PA or PT, and only 3 graduate-nursing articles. Webinars exist per degree. DMARC is set to "none", and Mozilla Observatory grades the site C.Source
    • HiringLifecycle, Email and Marketing Communications Manager posts: Juno "sends at high volume to a member base of 290,000+, and the gap between a good send and a great one is measured in funded loans"; email and SMS in Customer.io across grad, undergrad and refi; segments by "vertical, school, application stage, loan status, and timing"; measured on applications started, completed and loans funded; messaging routed through compliance review.Source
  • 04

    The nursing head of growth is expected to know "the top five reasons a nursing student with a rate offer never submits an application". That gap between offer and application is where the lifecycle team's measure (applications started and loans funded) is won or lost.

    High impactLow effort First result in 3 weeks Lifecycle Marketing Manager

    First action

    Pull members with a rate offer older than 14 days and no application, by vertical.

    How to measure it

    Offer-to-application rate for stalled members

    Now
    –
    Target
    +20% relative
    By
    8 weeks

    Steps

    1. 1

      Size the segment

      Rate offers older than 14 days with no application, by vertical.

      Lifecycle Marketing Manager 2 hours

    2. 2

      Talk to ten members

      Why they stopped, in their words.

      Head of Growth & Partnerships, Nursing Schools 1 week

    3. 3

      Write four messages

      One reason each, with an adviser link.

      Lifecycle Marketing Manager 2 days

    4. 4

      Compliance review

      Wording on rates, cosigners and deferral.

      Compliance review 2 days

    5. 5

      Launch with a holdout

      10% holdout to measure lift.

      Lifecycle Marketing Manager 1 day

    6. 6

      Report

      Applications started and funded, against the holdout.

      Lifecycle Marketing Manager weekly

    First result
    3 weeks
    Cost
    $0
    Owner
    Lifecycle Marketing Manager

    Smallest test

    Send the cosigner message to one vertical's stalled segment.

    Why it works

    Interview ten members who got a rate offer and did not apply, list the reasons (cosigner, timing, unsure of amount, comparing lenders, school certification), and build a four-message email and SMS flow in Customer.io that answers one reason per message, with a link to an adviser.

    The lifecycle and email roles are measured on applications started, completed and funded. Answering the actual objection at the stall point is the highest-leverage send in the program.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    • SMS consent rules (TCPA)

      Send SMS only to members who opted in, with opt-out in every message.

    Evidence

    • HiringLifecycle, Email and Marketing Communications Manager posts: Juno "sends at high volume to a member base of 290,000+, and the gap between a good send and a great one is measured in funded loans"; email and SMS in Customer.io across grad, undergrad and refi; segments by "vertical, school, application stage, loan status, and timing"; measured on applications started, completed and loans funded; messaging routed through compliance review.Source
    • HiringHead of Growth & Partnerships, Nursing Schools: "Nursing is a brand-new vertical for Juno"; reach "hundreds of CRNA, DNP, and MSN programs"; national deals, campus chapters, NCLEX prep companies and nursing associations; a campus ambassador network; know "the top five reasons a nursing student with a rate offer never submits an application". Parallel heads of growth are open for MD schools, law schools and healthcare (pharmacy, PT, vet).Source
    • Your websiteHomepage: "Access lower cost private student loans, exclusively through Juno"; 299,000 members; $2B+ in loans; up to 4% lower rates and an average rate reduction of 1.5% (January 1 to June 27, 2025) for the main domestic graduate group; free to join, lenders pay Juno a fee; joining never affects credit. No customer quotes appear under "Juno in Your Words".Source
  • 05

    Up to fourteen regional directors will each try to get Juno listed on school websites, into webinar calendars and into admitted-student emails. Each will otherwise write their own pitch and materials.

    High impactLow effort First result in 4 weeks Regional Director

    First action

    Draft the one-page explainer and send it to compliance.

    How to measure it

    Schools with a listing or webinar

    Now
    –
    Target
    60
    By
    end of quarter

    Steps

    1. 1

      Write the explainer

      One page: model, fees, credit impact, who pays Juno.

      Regional Director, University Partnerships 1 day

    2. 2

      Write resource-page wording

      Two sentences a school can paste.

      Marketing Communications Manager 2 hours

    3. 3

      Write the webinar request

      An email offering a session for admitted students.

      Regional Director, University Partnerships 2 hours

    4. 4

      Answer objections

      FAQ for "we cannot endorse lenders" and similar.

      Regional Director, University Partnerships 1 day

    5. 5

      Compliance approval

      All materials reviewed once.

      Compliance review 3 days

    6. 6

      Track by territory

      Listings and webinars per director.

      Regional Director, University Partnerships weekly

    First result
    4 weeks
    Cost
    $0
    Owner
    Regional Director, University Partnerships

    Smallest test

    Send the kit to ten aid offices in one territory.

    Why it works

    Give every regional director the same kit: a one-page explainer for aid administrators (how Juno works, that it is not a lender, how it is paid), approved wording for a school's resource page, a ready email to request a webinar slot, and a short FAQ for administrator objections.

    The regional director job is about trust with aid offices. Consistent, compliance-approved materials make every director credible from week one and make the results comparable across territories.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    • Schools restrict vendor promotion

      Position Juno as free education and a resource, not an endorsement.

    Evidence

    • HiringRegional Director, University Partnerships ("up to fourteen", one territory each): make financial aid administrators aware of and trust Juno, and get Juno "listed as a resource on a school's website, into a school's webinar calendar" and into admitted and current student communications. Juno estimates 14 to 15% of all private in-school graduate lending flowed through it in 2025.Source
    • Your websiteHomepage: "Access lower cost private student loans, exclusively through Juno"; 299,000 members; $2B+ in loans; up to 4% lower rates and an average rate reduction of 1.5% (January 1 to June 27, 2025) for the main domestic graduate group; free to join, lenders pay Juno a fee; joining never affects credit. No customer quotes appear under "Juno in Your Words".Source
  • 06

    In July Juno announced a partnership with the American Academy of Physician Associates giving PA students and practicing PAs its group pricing. The nursing post asks for national deals with nursing associations, and a signed national association is the best reference for the next one.

    Medium impactLow effort First result in 1-2 months Head of Growth & Partnerships

    First action

    Check how many AAPA members have joined since July and put that number in the proposal.

    How to measure it

    New association partners

    Now
    –
    Target
    2
    By
    end of quarter

    Steps

    1. 1

      Measure AAPA so far

      Joins and rate checks from the partnership.

      Head of Growth & Partnerships, Healthcare 1 hour

    2. 2

      Publish the member page

      Dedicated page and code for AAPA members.

      Growth Marketing Manager 1 day

    3. 3

      Write the proposal

      One page: benefit, cost (none), what members get, AAPA reference.

      Head of Growth & Partnerships, Healthcare 1 day

    4. 4

      Pitch two associations

      Nursing first, then pharmacy or PT.

      Head of Growth & Partnerships, Nursing Schools 2 weeks

    5. 5

      Compliance review

      Partner materials checked.

      Compliance review 2 days

    6. 6

      Launch together

      Joint announcement and member email.

      Marketing Communications Manager 1 week

    Who to approach

    • American Association of Nurse Anesthesiology (AANA)

      National association for CRNAs and CRNA students.

    • American Association of Colleges of Nursing (AACN)

      Represents the graduate nursing programs (MSN and DNP).

    First result
    1 to 2 months
    Cost
    $0
    Owner
    Head of Growth & Partnerships, Healthcare

    Smallest test

    Send the proposal to one nursing association.

    Why it works

    Publish an AAPA member page with its own code, track joins, and send the result with a one-page proposal to the nursing and allied health associations (for example the American Association of Nurse Anesthesiology for CRNAs).

    Associations want member benefits that are free and easy to explain. A live example with numbers shortens every association conversation for the healthcare and nursing heads of growth.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    Evidence

    • Search resultsJuly 2026: the American Academy of Physician Associates (AAPA) and Juno announced a partnership giving PA students and practicing PAs access to Juno's group pricing.Source
    • HiringHead of Growth & Partnerships, Nursing Schools: "Nursing is a brand-new vertical for Juno"; reach "hundreds of CRNA, DNP, and MSN programs"; national deals, campus chapters, NCLEX prep companies and nursing associations; a campus ambassador network; know "the top five reasons a nursing student with a rate offer never submits an application". Parallel heads of growth are open for MD schools, law schools and healthcare (pharmacy, PT, vet).Source
    • Your websiteHomepage: "Access lower cost private student loans, exclusively through Juno"; 299,000 members; $2B+ in loans; up to 4% lower rates and an average rate reduction of 1.5% (January 1 to June 27, 2025) for the main domestic graduate group; free to join, lenders pay Juno a fee; joining never affects credit. No customer quotes appear under "Juno in Your Words".Source

This quarter 9

The core plays for the next three months.

  • 07

    Juno says its paid engine is profitable and wants to expand it to TikTok, Reddit and creators. Students research for months, so a channel that drives cheap sign-ups in August may fund nothing until January, and one that looks expensive may fund the most.

    High impactMedium effort First result in 6 weeks Growth Marketing Manager

    First action

    Pull 12 months of spend and join it to funded loans by campaign.

    How to measure it

    Funded volume per $1 of paid spend

    Now
    –
    Target
    +20%
    By
    end of quarter

    Steps

    1. 1

      Join spend to funded loans

      By campaign and vertical, with lag windows.

      Growth Marketing Manager 1 week

    2. 2

      Set lag windows

      Per vertical, from typical sign-up to funding time.

      Growth Marketing Manager 1 day

    3. 3

      Rank channels

      Funded volume per dollar.

      Growth Marketing Manager 1 day

    4. 4

      Shift budget

      Move spend to the top quartile.

      Growth Marketing Manager 1 week

    5. 5

      Test new channels on the same basis

      TikTok, Reddit and creators judged on funding.

      Growth Marketing Manager ongoing

    6. 6

      Review monthly

      One report, shared with finance.

      Growth Marketing Manager 1 hour a month

    First result
    6 weeks
    Cost
    No new spend
    Owner
    Growth Marketing Manager

    Smallest test

    Rescore last year's campaigns on funded volume before changing budgets.

    Why it works

    Join ad spend to sign-ups, rate checks, applications and funded loans by channel and campaign, with a lag window matched to each vertical's borrowing calendar, and set budgets on funded volume per dollar.

    The Growth Marketing Manager is paid partly on performance and asked to find "the next chunk of profitable growth". Funded volume is the number that pays Juno, because lenders pay per loan.

    Risks and how to handle them

    • Long lags hide early results

      Use rate checks as a leading signal, then confirm with funding.

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    Evidence

    • HiringGrowth Marketing Manager ($90k to $125k plus variable pay): "We've built a profitable paid acquisition engine and we're expanding it aggressively"; Meta, Google, TikTok, Reddit and creator spend; SEO and AEO; "find where higher education students are actually forming opinions about how to pay for school"; "Students research student loan decisions for months. Own the surfaces where that research happens".Source
    • Your websiteHomepage: "Access lower cost private student loans, exclusively through Juno"; 299,000 members; $2B+ in loans; up to 4% lower rates and an average rate reduction of 1.5% (January 1 to June 27, 2025) for the main domestic graduate group; free to join, lenders pay Juno a fee; joining never affects credit. No customer quotes appear under "Juno in Your Words".Source
    • HiringLifecycle, Email and Marketing Communications Manager posts: Juno "sends at high volume to a member base of 290,000+, and the gap between a good send and a great one is measured in funded loans"; email and SMS in Customer.io across grad, undergrad and refi; segments by "vertical, school, application stage, loan status, and timing"; measured on applications started, completed and loans funded; messaging routed through compliance review.Source
  • 08

    The growth post asks Juno to "find where higher education students are actually forming opinions about how to pay for school". For graduate students that is often Reddit and program forums, where questions about Grad PLUS, cosigners and rates are asked every week.

    High impactMedium effort First result in 4-8 weeks Growth Marketing Manager

    First action

    List the 20 most active threads on Grad PLUS and private loans this month.

    How to measure it

    Sign-ups from community referrals

    Now
    –
    Target
    600 a quarter
    By
    end of quarter

    Steps

    1. 1

      Map the communities

      Where each vertical asks loan questions.

      Growth Marketing Manager 2 days

    2. 2

      Write answer templates

      Approved explanations of the federal change and options.

      Marketing Communications Manager 1 week

    3. 3

      Compliance review

      Rules for what advisers can say.

      Compliance review 3 days

    4. 4

      Answer weekly

      Disclosed Juno accounts, linking guides.

      Growth Marketing Manager 3 hours a week

    5. 5

      Host AMAs

      One per vertical with an adviser.

      Growth Marketing Manager 1 hour each

    6. 6

      Test Reddit ads

      On the same topics, judged on funded volume.

      Growth Marketing Manager 4 weeks

    First result
    4 to 8 weeks
    Cost
    $3,000 to $10,000 in test ad spend
    Owner
    Growth Marketing Manager

    Smallest test

    Answer ten threads in one community and track the links.

    Why it works

    Run a disclosed Juno presence in the relevant communities (for example r/StudentLoans, r/medicalschool, r/lawschooladmissions, r/CRNA and nursing forums): answer questions with links to the guides and calculators, host one AMA per vertical with a Juno adviser, and test Reddit ads against the same topics.

    Reddit is named in the post as a paid channel, and AI answers increasingly cite these threads. Helpful, disclosed answers build the trust that a months-long decision needs.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    • Communities ban promotion

      Follow each community's rules, disclose affiliation and lead with answers.

    Evidence

    • HiringGrowth Marketing Manager ($90k to $125k plus variable pay): "We've built a profitable paid acquisition engine and we're expanding it aggressively"; Meta, Google, TikTok, Reddit and creator spend; SEO and AEO; "find where higher education students are actually forming opinions about how to pay for school"; "Students research student loan decisions for months. Own the surfaces where that research happens".Source
    • programmable.infoSite scan: 723 URLs, including 571 financial-literacy articles, 46 per-school MBA loan pages (HBS, Kellogg, CBS and others) and budget calculators for MBA, medicine, vet, pharmacy, dental and law, but none for nursing, PA or PT, and only 3 graduate-nursing articles. Webinars exist per degree. DMARC is set to "none", and Mozilla Observatory grades the site C.Source
    • Search resultsGrad PLUS ended for new borrowers on July 1, 2026; new borrowers can still take Direct Unsubsidized loans of up to $20,500 a year for graduate students and $50,000 a year for professional students.Source
  • 09

    Creator spend is in the growth post, and the dental vertical showed that students trust classmates most. Students who post about school life are trusted peers at scale.

    High impactMedium effort First result in 6 weeks Growth Marketing Manager

    First action

    Shortlist 30 student creators who post about medical, law or nursing school finances.

    How to measure it

    Funded loans from creators

    Now
    –
    Target
    150
    By
    two quarters

    Steps

    1. 1

      Shortlist creators

      By vertical, audience and tone.

      Growth Marketing Manager 1 week

    2. 2

      Write talking points

      Approved claims and required disclosures.

      Marketing Communications Manager 3 days

    3. 3

      Compliance review

      Scripts and disclosure rules.

      Compliance review 3 days

    4. 4

      Pay per rate check

      Codes and links per creator.

      Growth Marketing Manager 1 day

    5. 5

      Review content before posting

      Every post checked.

      Marketing Communications Manager ongoing

    6. 6

      Measure

      Rate checks and funded loans per creator.

      Growth Marketing Manager monthly

    First result
    6 weeks
    Cost
    $5,000 to $20,000 a quarter
    Owner
    Growth Marketing Manager

    Smallest test

    Five creators in one vertical for one month.

    Why it works

    Recruit 20 student creators across medicine, law, nursing and PA, give them compliance-approved talking points (how group negotiation works, the federal change, how to check rates without a credit impact), require clear paid-partnership disclosures, and pay per qualified rate check.

    It extends the peer model that produced Juno's best conversion rates into channels the growth team can buy and measure.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    • FTC endorsement rules

      Clear paid-partnership labels and no claims beyond the approved points.

    Evidence

    • HiringGrowth Marketing Manager ($90k to $125k plus variable pay): "We've built a profitable paid acquisition engine and we're expanding it aggressively"; Meta, Google, TikTok, Reddit and creator spend; SEO and AEO; "find where higher education students are actually forming opinions about how to pay for school"; "Students research student loan decisions for months. Own the surfaces where that research happens".Source
    • HiringStudent Engagement Manager, Healthcare Schools: the dental vertical "produced our highest conversion rates in the company on the back of a peer ambassador network and over 700 direct student conversations in a single cycle"; the model is now running across medicine, PA, nursing, optometry and veterinary.Source
    • HiringEvery post opens with the same shift: "In July 2026, new caps on federal graduate loans, including the elimination of Grad PLUS for new students, came into effect, leaving millions of students with significant funding gaps."Source
  • 10

    Juno already has a page for each top MBA program (HBS, Kellogg, CBS and others). Law, medical and nursing students search the same way ("Harvard Law loans", "CRNA school cost"), and those verticals have dedicated heads of growth but no school pages.

    High impactMedium effort First result in 2-3 months Growth Marketing Manager

    First action

    List the 30 law schools, 30 medical schools and 30 CRNA programs with the most Juno members or searches.

    How to measure it

    Sign-ups from new school pages

    Now
    –
    Target
    2,000 a cycle
    By
    next application cycle

    Steps

    1. 1

      Pick the schools

      By member count and search demand.

      Growth Marketing Manager 2 days

    2. 2

      Adapt the template

      From the MBA pages.

      Growth Marketing Manager 3 days

    3. 3

      Gather school data

      Published cost of attendance per school.

      Partnerships Coordinator 2 weeks

    4. 4

      Compliance review

      Rates and claims.

      Compliance review 1 week

    5. 5

      Publish in batches

      30 pages at a time.

      Growth Marketing Manager 1 week per batch

    6. 6

      Link ambassadors and chapters

      Each page names the local contact.

      Student Engagement Manager, Healthcare Schools ongoing

    First result
    2 to 3 months
    Cost
    About a month of work
    Owner
    Growth Marketing Manager

    Smallest test

    Ten law school pages first.

    Why it works

    Extend the MBA school template to the top law schools, medical schools and CRNA programs: cost of attendance, the federal limit and typical gap, the negotiation group for that school, the campus ambassador or chapter, and the next webinar.

    SEO and AEO are in the growth brief, and school pages match how students search and how regional directors and ambassadors work (school by school).

    Risks and how to handle them

    • Stale cost data

      Show the source and year on every page and refresh annually.

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    Builds on

    Evidence

    • programmable.infoSite scan: 723 URLs, including 571 financial-literacy articles, 46 per-school MBA loan pages (HBS, Kellogg, CBS and others) and budget calculators for MBA, medicine, vet, pharmacy, dental and law, but none for nursing, PA or PT, and only 3 graduate-nursing articles. Webinars exist per degree. DMARC is set to "none", and Mozilla Observatory grades the site C.Source
    • HiringHead of Growth & Partnerships, Nursing Schools: "Nursing is a brand-new vertical for Juno"; reach "hundreds of CRNA, DNP, and MSN programs"; national deals, campus chapters, NCLEX prep companies and nursing associations; a campus ambassador network; know "the top five reasons a nursing student with a rate offer never submits an application". Parallel heads of growth are open for MD schools, law schools and healthcare (pharmacy, PT, vet).Source
    • HiringRegional Director, University Partnerships ("up to fourteen", one territory each): make financial aid administrators aware of and trust Juno, and get Juno "listed as a resource on a school's website, into a school's webinar calendar" and into admitted and current student communications. Juno estimates 14 to 15% of all private in-school graduate lending flowed through it in 2025.Source
  • 11

    Dental produced Juno's highest conversion rates from a peer ambassador network and over 700 direct conversations in a cycle, and the model is now being rolled out to medicine, PA, nursing, optometry and vet. Rolling it out by hand, territory by territory, loses what made dental work.

    High impactMedium effort First result in 1 cycle Student Engagement Manager

    First action

    Interview the people who ran dental ambassadors and write the first version.

    How to measure it

    Verticals reaching dental's conversion rate

    Now
    –
    Target
    2
    By
    end of cycle

    Steps

    1. 1

      Write the dental model down

      Selection, training, pay, scripts, events.

      Student Engagement Manager, Healthcare Schools 1 week

    2. 2

      Make a launch checklist

      Per vertical and campus.

      Student Engagement Manager, Healthcare Schools 2 days

    3. 3

      Compliance-approve scripts

      What ambassadors can say.

      Compliance review 1 week

    4. 4

      Train ambassadors

      One session per vertical.

      Student Engagement Manager, Healthcare Schools ongoing

    5. 5

      Log conversations

      One shared form.

      Student Engagement Manager, Healthcare Schools 1 day

    6. 6

      Report

      Members and funding by vertical.

      Student Engagement Manager, Healthcare Schools monthly

    First result
    1 cycle
    Cost
    Ambassador stipends
    Owner
    Student Engagement Manager, Healthcare Schools

    Smallest test

    Run the checklist in one nursing school.

    Why it works

    Write down the dental model (how ambassadors are chosen, trained and paid, what they say, which events they run, how conversations are logged), give each new vertical a launch checklist, and report ambassador-sourced members and funding by vertical.

    The Student Engagement Manager role exists to run this model at scale. A shared playbook makes results comparable and lets the best vertical teach the rest.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    Evidence

    • HiringStudent Engagement Manager, Healthcare Schools: the dental vertical "produced our highest conversion rates in the company on the back of a peer ambassador network and over 700 direct student conversations in a single cycle"; the model is now running across medicine, PA, nursing, optometry and veterinary.Source
    • HiringHead of Growth & Partnerships, Nursing Schools: "Nursing is a brand-new vertical for Juno"; reach "hundreds of CRNA, DNP, and MSN programs"; national deals, campus chapters, NCLEX prep companies and nursing associations; a campus ambassador network; know "the top five reasons a nursing student with a rate offer never submits an application". Parallel heads of growth are open for MD schools, law schools and healthcare (pharmacy, PT, vet).Source
  • 12

    Many graduate students need a cosigner to get a good private rate, and losing Grad PLUS sends more of them to private lenders. A cosigner who first hears about the loan at application time often stalls it.

    Medium impactMedium effort First result in 6 weeks Lifecycle Marketing Manager

    First action

    Measure how many applications stall at the cosigner step.

    How to measure it

    Cosigner-step completion

    Now
    –
    Target
    +15%
    By
    8 weeks

    Steps

    1. 1

      Find the stall rate

      Applications stopped at the cosigner step.

      Lifecycle Marketing Manager 2 hours

    2. 2

      Add the invite

      Cosigner email from the rate-check page.

      Growth Marketing Manager 1 week

    3. 3

      Write the track

      Three messages for cosigners.

      Lifecycle Marketing Manager 2 days

    4. 4

      Compliance review

      Credit and release wording.

      Compliance review 3 days

    5. 5

      Launch

      With a holdout.

      Lifecycle Marketing Manager 1 day

    6. 6

      Measure

      Completion with and without the track.

      Lifecycle Marketing Manager weekly

    First result
    6 weeks
    Cost
    $0
    Owner
    Lifecycle Marketing Manager

    Smallest test

    Email the cosigner explainer to members who stalled at that step last month.

    Why it works

    Add a cosigner invite in the rate-check flow and a three-message track for cosigners and parents: how cosigning works, what it means for their credit, and how cosigner release works with participating lenders, all compliance-reviewed.

    The lifecycle team segments by application stage and loan status. Bringing the cosigner in early removes one of the most common reasons an application stops.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    Builds on

    Evidence

    • HiringLifecycle, Email and Marketing Communications Manager posts: Juno "sends at high volume to a member base of 290,000+, and the gap between a good send and a great one is measured in funded loans"; email and SMS in Customer.io across grad, undergrad and refi; segments by "vertical, school, application stage, loan status, and timing"; measured on applications started, completed and loans funded; messaging routed through compliance review.Source
    • Search resultsGrad PLUS ended for new borrowers on July 1, 2026; new borrowers can still take Direct Unsubsidized loans of up to $20,500 a year for graduate students and $50,000 a year for professional students.Source
    • Your websiteHomepage: "Access lower cost private student loans, exclusively through Juno"; 299,000 members; $2B+ in loans; up to 4% lower rates and an average rate reduction of 1.5% (January 1 to June 27, 2025) for the main domestic graduate group; free to join, lenders pay Juno a fee; joining never affects credit. No customer quotes appear under "Juno in Your Words".Source
  • 13

    Getting into a school's webinar calendar is one of the regional directors' named goals, and Juno already runs webinars by degree. Admitted-student season is when the funding gap first becomes real.

    High impactMedium effort First result in 1 season Regional Director

    First action

    Book the first five co-hosted sessions from the aid offices that already know Juno.

    How to measure it

    Co-hosted webinars

    Now
    –
    Target
    40
    By
    end of admitted-student season

    Steps

    1. 1

      Write the session

      30 minutes, compliance-approved.

      Marketing Communications Manager 1 week

    2. 2

      Offer it to aid offices

      Through the regional directors.

      Regional Director, University Partnerships ongoing

    3. 3

      Run sessions

      Adviser plus aid officer.

      Regional Director, University Partnerships 1 hour each

    4. 4

      Track sign-ups

      Code per school.

      Growth Marketing Manager 1 hour

    5. 5

      Follow up

      Attendees enter the right lifecycle track.

      Lifecycle Marketing Manager 1 day

    6. 6

      Report by territory

      Sessions and members.

      Regional Director, University Partnerships monthly

    First result
    1 season
    Cost
    $0
    Owner
    Regional Director, University Partnerships

    Smallest test

    Five sessions in one territory.

    Why it works

    Offer every aid office a co-hosted 30-minute session for admitted students ("Paying for your program after July 2026"), run by a Juno adviser with an aid officer, on a shared calendar that directors fill territory by territory.

    It gives aid offices something useful to offer students, which is how directors earn trust, and it reaches students at the decision point.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    Builds on

    Evidence

    • HiringRegional Director, University Partnerships ("up to fourteen", one territory each): make financial aid administrators aware of and trust Juno, and get Juno "listed as a resource on a school's website, into a school's webinar calendar" and into admitted and current student communications. Juno estimates 14 to 15% of all private in-school graduate lending flowed through it in 2025.Source
    • programmable.infoSite scan: 723 URLs, including 571 financial-literacy articles, 46 per-school MBA loan pages (HBS, Kellogg, CBS and others) and budget calculators for MBA, medicine, vet, pharmacy, dental and law, but none for nursing, PA or PT, and only 3 graduate-nursing articles. Webinars exist per degree. DMARC is set to "none", and Mozilla Observatory grades the site C.Source
    • HiringEvery post opens with the same shift: "In July 2026, new caps on federal graduate loans, including the elimination of Grad PLUS for new students, came into effect, leaving millions of students with significant funding gaps."Source
  • 14

    Juno has signed up members since 2018 and offers refinancing, including high-balance refinancing for professionals. Members who borrowed while in school are now residents, lawyers and nurses with incomes that may qualify for better terms.

    High impactMedium effort First result in 2 months Email Marketing Manager

    First action

    Count members who joined before 2023 and have no refinancing activity.

    How to measure it

    Refi funded volume from alumni members

    Now
    –
    Target
    +50% over last year
    By
    two quarters

    Steps

    1. 1

      Segment by graduation year

      Degree and expected career stage.

      Email Marketing Manager 2 days

    2. 2

      Time the messages

      After residency, after bar results, after first job.

      Email Marketing Manager 2 days

    3. 3

      Write the track

      Three messages, compliance-reviewed.

      Email Marketing Manager 3 days

    4. 4

      Compliance review

      Refi claims and rates.

      Compliance review 3 days

    5. 5

      Launch with a holdout

      10% holdout.

      Email Marketing Manager 1 day

    6. 6

      Measure

      Rate checks and funded refi loans.

      Email Marketing Manager monthly

    First result
    2 months
    Cost
    $0
    Owner
    Email Marketing Manager

    Smallest test

    One message to the 2019 to 2021 medical cohort.

    Why it works

    Segment members by graduation year and degree, and send a refinance track timed to their career stage (for example after residency for doctors), with the refinancing negotiation group as the offer.

    The email role covers grad, undergrad and refi. Existing members cost nothing to reach, already trust Juno, and each refinance is a funded loan.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    • Refinancing federal loans loses federal protections

      State that clearly in every message, as compliance requires.

    Evidence

    • HiringLifecycle, Email and Marketing Communications Manager posts: Juno "sends at high volume to a member base of 290,000+, and the gap between a good send and a great one is measured in funded loans"; email and SMS in Customer.io across grad, undergrad and refi; segments by "vertical, school, application stage, loan status, and timing"; measured on applications started, completed and loans funded; messaging routed through compliance review.Source
    • programmable.infoSite scan: 723 URLs, including 571 financial-literacy articles, 46 per-school MBA loan pages (HBS, Kellogg, CBS and others) and budget calculators for MBA, medicine, vet, pharmacy, dental and law, but none for nursing, PA or PT, and only 3 graduate-nursing articles. Webinars exist per degree. DMARC is set to "none", and Mozilla Observatory grades the site C.Source
    • Your websiteHomepage: "Access lower cost private student loans, exclusively through Juno"; 299,000 members; $2B+ in loans; up to 4% lower rates and an average rate reduction of 1.5% (January 1 to June 27, 2025) for the main domestic graduate group; free to join, lenders pay Juno a fee; joining never affects credit. No customer quotes appear under "Juno in Your Words".Source
  • 15

    Every Juno job post opens with the July 2026 change, and comparison guides now send graduate borrowers to private lenders. Students search for what the change means for them, and the existing guide is general.

    High impactMedium effort First result in 4-8 weeks Growth Marketing Manager

    First action

    Build it from the nursing calculator once that ships.

    How to measure it

    Sign-ups from the gap calculator

    Now
    –
    Target
    3,000 a cycle
    By
    next cycle

    Steps

    1. 1

      Generalize the calculator

      All graduate and professional programs.

      Growth Marketing Manager 1 week

    2. 2

      Source the limits

      Federal limits with source and date.

      Marketing Communications Manager 1 day

    3. 3

      Compliance review

      Wording on options.

      Compliance review 3 days

    4. 4

      Embed for partners

      An embed schools and associations can use.

      Growth Marketing Manager 3 days

    5. 5

      Promote

      Paid, Reddit, creators and ambassadors.

      Growth Marketing Manager ongoing

    6. 6

      Measure

      Completions, sign-ups, funding.

      Growth Marketing Manager weekly

    First result
    4 to 8 weeks
    Cost
    About two weeks of work
    Owner
    Growth Marketing Manager

    Smallest test

    Ship it for law and medicine first.

    Why it works

    One calculator for all graduate and professional programs: choose degree and school, see the federal annual limit, typical cost of attendance and the remaining gap, then join the negotiation group for that program. Link it from every vertical page and the federal updates guide.

    The growth post asks Juno to own the surfaces where students research for months. A personal gap number is the most shareable and most searchable form of that research.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    • Policy changes again (litigation is ongoing)

      Date the limits and update the calculator when rules change.

    Builds on

    Evidence

    • HiringEvery post opens with the same shift: "In July 2026, new caps on federal graduate loans, including the elimination of Grad PLUS for new students, came into effect, leaving millions of students with significant funding gaps."Source
    • Search resultsGrad PLUS ended for new borrowers on July 1, 2026; new borrowers can still take Direct Unsubsidized loans of up to $20,500 a year for graduate students and $50,000 a year for professional students.Source
    • Competitor researchComparison guides after the Grad PLUS change point graduate borrowers to private lenders such as Sallie Mae, College Ave, Monogram and GradBridge, and to rate marketplaces such as Credible.Source
    • programmable.infoSite scan: 723 URLs, including 571 financial-literacy articles, 46 per-school MBA loan pages (HBS, Kellogg, CBS and others) and budget calculators for MBA, medicine, vet, pharmacy, dental and law, but none for nursing, PA or PT, and only 3 graduate-nursing articles. Webinars exist per degree. DMARC is set to "none", and Mozilla Observatory grades the site C.Source

Big bets 3

Larger plays that can change the trajectory.

  • 16

    Juno estimates 14 to 15% of private in-school graduate lending flowed through it in 2025. Nobody else sees how students by program are filling the new gap, which is what reporters, schools and policy groups want to know.

    High impactHigh effort First result in Launch quarter CEO

    First action

    Define the five questions the report answers and check data coverage per program.

    How to measure it

    School and press citations

    Now
    –
    Target
    50
    By
    6 months after launch

    Steps

    1. 1

      Set the questions

      Five questions schools and press ask.

      CEO 1 day

    2. 2

      Privacy and method

      Aggregates only, minimum group sizes.

      CEO 1 week

    3. 3

      Analyze

      Data by program and year.

      Manager, Strategy 3 weeks

    4. 4

      Compliance review

      Every number and claim.

      Compliance review 1 week

    5. 5

      Brief press

      Education and personal finance reporters.

      Marketing Communications Manager 1 week

    6. 6

      Send to aid offices

      Through the regional directors.

      Regional Director, University Partnerships ongoing

    First result
    Launch quarter
    Cost
    $5,000 to $10,000 for design and promotion
    Owner
    CEO

    Smallest test

    Publish one chart on one program's gap.

    Why it works

    Publish an annual report: gap size by program, how students are funding it, rates achieved by negotiation groups, and what changed year over year, with a public method and aggregated data only.

    It earns press, makes regional directors more credible with aid offices, and gives the growth team a reference asset for SEO and AI answers.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    Evidence

    • HiringRegional Director, University Partnerships ("up to fourteen", one territory each): make financial aid administrators aware of and trust Juno, and get Juno "listed as a resource on a school's website, into a school's webinar calendar" and into admitted and current student communications. Juno estimates 14 to 15% of all private in-school graduate lending flowed through it in 2025.Source
    • HiringEvery post opens with the same shift: "In July 2026, new caps on federal graduate loans, including the elimination of Grad PLUS for new students, came into effect, leaving millions of students with significant funding gaps."Source
    • Your websiteHomepage: "Access lower cost private student loans, exclusively through Juno"; 299,000 members; $2B+ in loans; up to 4% lower rates and an average rate reduction of 1.5% (January 1 to June 27, 2025) for the main domestic graduate group; free to join, lenders pay Juno a fee; joining never affects credit. No customer quotes appear under "Juno in Your Words".Source
  • 17

    Each regional director builds school relationships one at a time. A program with clear terms (free education sessions, materials, a resource-page listing and a report back on outcomes) makes the relationship repeatable and lets schools say yes formally.

    High impactHigh effort First result in 1 cycle Regional Director

    First action

    Write the program terms and test them with five friendly aid offices.

    How to measure it

    Partner schools

    Now
    –
    Target
    500
    By
    two cycles

    Steps

    1. 1

      Write the terms

      What schools get and what they agree to.

      Regional Director, University Partnerships 2 weeks

    2. 2

      Legal and compliance review

      No endorsement language.

      Compliance review 2 weeks

    3. 3

      Pilot with five schools

      Adjust the terms.

      Regional Director, University Partnerships 1 cycle

    4. 4

      Roll out by territory

      Targets per director.

      Regional Director, University Partnerships ongoing

    5. 5

      Report back to schools

      Aggregated outcomes per school.

      Manager, Strategy annually

    6. 6

      Measure

      Members and funding from partner schools.

      Regional Director, University Partnerships monthly

    First result
    1 cycle
    Cost
    Director time plus materials
    Owner
    Regional Director, University Partnerships

    Smallest test

    Five schools for one cycle.

    Why it works

    Define a no-cost partner program for aid offices: annual sessions, approved materials, an outcomes report for the school's students (aggregated), and a named Juno contact. Aim for 500 schools across the fourteen territories.

    It turns the directors' work into a scalable channel with a clear count to manage, and schools are the most trusted source of funding advice for admitted students.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    • Schools have preferred lender list rules

      Keep Juno positioned as a free resource and follow each school's policy.

    Builds on

    Evidence

    • HiringRegional Director, University Partnerships ("up to fourteen", one territory each): make financial aid administrators aware of and trust Juno, and get Juno "listed as a resource on a school's website, into a school's webinar calendar" and into admitted and current student communications. Juno estimates 14 to 15% of all private in-school graduate lending flowed through it in 2025.Source
    • HiringCareers page: 14 open roles: Graduate Student Loans 6 (heads of growth for nursing, MD, law and healthcare, a student engagement manager and a partnerships coordinator), Operations/CX 4 (growth, lifecycle, email and marketing communications), Finance 3 (including a VP of Finance) and University Relations 1 (regional directors).Source
  • 18

    Juno is building nursing and healthcare verticals for students, and the same people become hospital employees with large balances. Hospitals compete hard to hire nurses and offer student loan help as a benefit.

    High impactHigh effort First result in 2 quarters Head of Growth & Partnerships

    First action

    Ask three hospital HR teams whether they offer student loan benefits and what they would need.

    How to measure it

    Employer partners

    Now
    –
    Target
    10
    By
    3 quarters

    Steps

    1. 1

      Interview HR teams

      Three hospital systems.

      Head of Growth & Partnerships, Healthcare 2 weeks

    2. 2

      Design the offer

      Co-branded page, sessions, reporting.

      Head of Growth & Partnerships, Healthcare 2 weeks

    3. 3

      Compliance and legal

      Employer terms and disclosures.

      Compliance review 3 weeks

    4. 4

      Pilot

      One health system.

      Head of Growth & Partnerships, Healthcare 1 quarter

    5. 5

      Scale

      Pitch the next nine.

      Head of Growth & Partnerships, Healthcare ongoing

    6. 6

      Measure

      Refi funded volume per employer.

      Head of Growth & Partnerships, Healthcare monthly

    First result
    2 quarters
    Cost
    Partnership time
    Owner
    Head of Growth & Partnerships, Healthcare

    Smallest test

    One hospital pilot.

    Why it works

    Offer health systems a free benefit: their nurses, residents and staff get access to Juno's refinancing negotiation group, with a co-branded page and onboarding sessions, and Juno earns from lenders on funded loans as today.

    It follows the students Juno already serves into their jobs, opens a B2B channel with large groups, and costs the employer nothing.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    Evidence

    • HiringHead of Growth & Partnerships, Nursing Schools: "Nursing is a brand-new vertical for Juno"; reach "hundreds of CRNA, DNP, and MSN programs"; national deals, campus chapters, NCLEX prep companies and nursing associations; a campus ambassador network; know "the top five reasons a nursing student with a rate offer never submits an application". Parallel heads of growth are open for MD schools, law schools and healthcare (pharmacy, PT, vet).Source
    • programmable.infoSite scan: 723 URLs, including 571 financial-literacy articles, 46 per-school MBA loan pages (HBS, Kellogg, CBS and others) and budget calculators for MBA, medicine, vet, pharmacy, dental and law, but none for nursing, PA or PT, and only 3 graduate-nursing articles. Webinars exist per degree. DMARC is set to "none", and Mozilla Observatory grades the site C.Source
    • Your websiteHomepage: "Access lower cost private student loans, exclusively through Juno"; 299,000 members; $2B+ in loans; up to 4% lower rates and an average rate reduction of 1.5% (January 1 to June 27, 2025) for the main domestic graduate group; free to join, lenders pay Juno a fee; joining never affects credit. No customer quotes appear under "Juno in Your Words".Source

Wildcards 3

Unexpected experiments, each with a cheap way to test it.

  • 19

    Students start thinking about paying the day they are admitted, and law and medical schools release decisions and set deposit deadlines on known calendars. A message that arrives the week of the acceptance is welcome; one in a random week is noise.

    Medium impactMedium effort First result in This cycle Head of Growth & Partnerships

    First action

    Write the decision and deposit calendar for the top 50 law schools.

    How to measure it

    Decision-week sign-up lift

    Now
    –
    Target
    2×
    By
    this cycle

    Steps

    1. 1

      Build calendars

      Per degree, top schools.

      Head of Growth & Partnerships, Law Schools 1 week

    2. 2

      Prepare messages

      Admitted-student versions, compliance-reviewed.

      Marketing Communications Manager 1 week

    3. 3

      Schedule paid pushes

      Decision weeks per school group.

      Growth Marketing Manager 1 day

    4. 4

      Brief ambassadors

      Be on campus in deposit weeks.

      Student Engagement Manager, Healthcare Schools 1 day

    5. 5

      Run and measure

      Lift against other weeks.

      Growth Marketing Manager ongoing

    6. 6

      Extend to other degrees

      MD, CRNA, MBA.

      Head of Growth & Partnerships, MD Schools next cycle

    First result
    This cycle
    Cost
    Shifts existing spend
    Owner
    Head of Growth & Partnerships, Law Schools

    Smallest test

    Law schools only for one cycle.

    Why it works

    Build an admissions calendar per degree (law, MD, CRNA, MBA) and trigger paid, email and ambassador pushes in the week decisions go out and before deposit deadlines.

    The heads of growth are asked to run campaigns aligned to application cycles. Timing to the student's calendar raises response without raising spend.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    Evidence

    • HiringHead of Growth & Partnerships, Nursing Schools: "Nursing is a brand-new vertical for Juno"; reach "hundreds of CRNA, DNP, and MSN programs"; national deals, campus chapters, NCLEX prep companies and nursing associations; a campus ambassador network; know "the top five reasons a nursing student with a rate offer never submits an application". Parallel heads of growth are open for MD schools, law schools and healthcare (pharmacy, PT, vet).Source
    • HiringGrowth Marketing Manager ($90k to $125k plus variable pay): "We've built a profitable paid acquisition engine and we're expanding it aggressively"; Meta, Google, TikTok, Reddit and creator spend; SEO and AEO; "find where higher education students are actually forming opinions about how to pay for school"; "Students research student loan decisions for months. Own the surfaces where that research happens".Source
    • HiringLifecycle, Email and Marketing Communications Manager posts: Juno "sends at high volume to a member base of 290,000+, and the gap between a good send and a great one is measured in funded loans"; email and SMS in Customer.io across grad, undergrad and refi; segments by "vertical, school, application stage, loan status, and timing"; measured on applications started, completed and loans funded; messaging routed through compliance review.Source
  • 20

    Juno asks students to join a negotiation group, but a visitor cannot see how many classmates have joined. Group buying is more persuasive when the group is visible.

    Medium impactLow effort First result in 4 weeks Growth Marketing Manager

    First action

    Check which programs have groups large enough to show.

    How to measure it

    Join-rate lift

    Now
    –
    Target
    +15%
    By
    6 weeks

    Steps

    1. 1

      Set a minimum size

      Show only groups above a threshold.

      Growth Marketing Manager 1 hour

    2. 2

      Build the counter

      Daily count per program.

      Growth Marketing Manager 3 days

    3. 3

      Compliance review

      Wording around the group.

      Compliance review 2 days

    4. 4

      A/B test

      With and without the count.

      Growth Marketing Manager 4 weeks

    5. 5

      Share the counts

      Ambassadors and creators get the numbers.

      Student Engagement Manager, Healthcare Schools ongoing

    6. 6

      Measure

      Join rate by page.

      Growth Marketing Manager weekly

    First result
    4 weeks
    Cost
    $0
    Owner
    Growth Marketing Manager

    Smallest test

    Show the count on the five largest program pages.

    Why it works

    On each program and school page, show the current number of students in that program's 2027 negotiation group (shown only above a minimum size), updated daily, with "join your classmates".

    It makes the core idea of the product concrete and gives ambassadors and creators a number to share.

    Risks and how to handle them

    • Small groups look weak

      Hide counts below the threshold.

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    Evidence

    • Your websiteNursing loans page: "2026 Nursing school loan rates are live"; Earnest and ELFI named in footnotes; a "2027 negotiation group" waitlist; the page does not mention CRNA, DNP or MSN programs, has no calculator, and its named testimonials are from Wharton, MIT and Harvard students.Source
    • Your websiteHomepage: "Access lower cost private student loans, exclusively through Juno"; 299,000 members; $2B+ in loans; up to 4% lower rates and an average rate reduction of 1.5% (January 1 to June 27, 2025) for the main domestic graduate group; free to join, lenders pay Juno a fee; joining never affects credit. No customer quotes appear under "Juno in Your Words".Source
    • HiringStudent Engagement Manager, Healthcare Schools: the dental vertical "produced our highest conversion rates in the company on the back of a peer ambassador network and over 700 direct student conversations in a single cycle"; the model is now running across medicine, PA, nursing, optometry and veterinary.Source
  • 21

    The homepage shows press logos but no member quotes, and the nursing page uses testimonials from Wharton and Harvard students. A prospective CRNA student wants to hear from a CRNA student.

    Medium impactLow effort First result in 4 weeks Marketing Communications Mana…

    First action

    Add a one-question quote request to the funded-loan email.

    How to measure it

    Verticals with three or more quotes

    Now
    –
    Target
    all
    By
    8 weeks

    Steps

    1. 1

      Add the request

      One question in the funded-loan email.

      Marketing Communications Manager 2 hours

    2. 2

      Get consent

      Name, school and program use.

      Marketing Communications Manager 1 hour

    3. 3

      Compliance review

      Testimonial rules for lending ads.

      Compliance review 2 days

    4. 4

      Build the library

      Tagged by vertical and school.

      Marketing Communications Manager 1 day

    5. 5

      Show on pages

      Matching quotes per page.

      Growth Marketing Manager 2 days

    6. 6

      Refresh

      Add new quotes monthly.

      Marketing Communications Manager monthly

    First result
    4 weeks
    Cost
    $0
    Owner
    Marketing Communications Manager

    Smallest test

    Collect five nursing and five law quotes first.

    Why it works

    After each funded loan, ask the member for a short quote and permission to use their first name, school and program; build a library by vertical and show matching quotes on each page.

    The communications team owns the voice and every send. Peer proof by program is what made dental convert, and it costs only an email.

    Risks and how to handle them

    • Lending advertising rules: stating a rate or payment can trigger Truth in Lending (Regulation Z) disclosures, and claims must not mislead (UDAAP)

      Route every page, email and script through compliance review, show APR ranges and conditions wherever a rate appears, and avoid "lowest rate" claims Juno cannot prove for each reader.

    • Testimonials imply typical results

      Add the required context about rates depending on credit.

    Evidence

    • Your websiteHomepage: "Access lower cost private student loans, exclusively through Juno"; 299,000 members; $2B+ in loans; up to 4% lower rates and an average rate reduction of 1.5% (January 1 to June 27, 2025) for the main domestic graduate group; free to join, lenders pay Juno a fee; joining never affects credit. No customer quotes appear under "Juno in Your Words".Source
    • Your websiteNursing loans page: "2026 Nursing school loan rates are live"; Earnest and ELFI named in footnotes; a "2027 negotiation group" waitlist; the page does not mention CRNA, DNP or MSN programs, has no calculator, and its named testimonials are from Wharton, MIT and Harvard students.Source
    • HiringStudent Engagement Manager, Healthcare Schools: the dental vertical "produced our highest conversion rates in the company on the back of a peer ambassador network and over 700 direct student conversations in a single cycle"; the model is now running across medicine, PA, nursing, optometry and veterinary.Source

03

How Programmable can help

Where an idea in this playbook is something Programmable builds or runs, it's listed here with what we'd do. Everything else is yours to run.

Have it built

ProgrammableAgency

1 of the 21 ideas are things Programmable builds and runs for its customers: pages, outreach, prospect lists, booking flows and monitors. Pick one, or send the whole list.

Pages1The page built from this outline, in your voice, live on your site.

A 30-minute session with the engineer who would build it, not a sales call. You leave with a plan whether or not you hire us.

Book a working session

Usually live within days.

Tools for the rest

ProgrammableInfo

Turn the research into a list you can act on

These ideas start with finding the right companies. Info finds them and the right person at each, researches every one and drafts the outreach, then asks before it sends.

  • Build this list in Info for idea #18 (opens programmable.info in a new tab)

New accounts: 100,000 free credits with code BETA100K

Find the companies (opens programmable.info in a new tab)
ProgrammableTalk

Fill the events in this plan

These ideas are events. Talk gets registrants for them and tells you who's coming and what their company does before the day.

Plan an event (opens programmable.talk in a new tab)
ProgrammableDigital

Show it, don't just describe it

These ideas need something to show: a demo, a video, an animation, graphics or a deck. Digital turns screenshots or the site into all of them, in the company's own brand.

Make a demo (opens programmable.digital in a new tab)
More example playbooks and reviews

More growth playbooks

Other companies we have researched, each read from what they are hiring for.

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  • Levitate growth strategyA relationship marketing platform for service businesses: personal emails sent from the owner's inbox, social media, texting, handwritten…21 growth ideas
  • Toast growth strategyA cloud platform for restaurants and food and beverage retailers: point of sale, payments, online ordering, marketing (Toast IQ Grow)…21 growth ideas
  • Brandlight growth strategyAn enterprise AI visibility platform that measures and improves how brands appear in AI answers, with impact tracking, content…21 growth ideas
  • Builders FirstSource growth strategyThe largest U.S. supplier of building products, manufactured components (trusses, READY-FRAME, millwork) and services (delivery…20 growth ideas
  • Verisoul growth strategyA fake account and fraud detection platform: device fingerprinting, account linking, bot detection, email and phone intelligence, proxy…23 growth ideas
  • Nectar Social growth strategyAn AI-native operating system for social: listening, customer care, creators, publishing, paid and insights in one platform, with an agent…21 growth ideas
  • Range growth strategyAI-powered wealth management: investments, tax planning and filing, equity compensation, estate and retirement planning from a team of…23 growth ideas

See every playbook and website review

Independent research. Programmable wrote this playbook from public sources, as they stood on October 18, 2026, and cites them throughout. Juno did not commission, review or endorse it, and Programmable is not affiliated with Juno. Company and product names are trademarks of their owners, used only to identify them. The ideas are suggestions and opinion, not professional, legal or financial advice, and not statements about how Juno runs its business.

Something wrong, or do you represent Juno? Email [email protected] and we will correct it or take it down.

30/60/90 roadmap

What to focus on in each month, and the ideas that carry it.

  1. Days 1 to 308 ideas

    Nursing pages and calculator, one approved set of numbers, DMARC, the stalled-offer flow, the aid office kit, the AAPA reference; rescore paid on funded loans and start community answers.

    Programmable can ship 1 of these in days.

  2. Days 31 to 6010 ideas

    Scale the channels: creators, school pages, the ambassador playbook, cosigners, aid-office webinars, alumni refinancing, the gap calculator and the wildcard tests.

  3. Days 61 to 903 ideas

    Commit to the big bets: the annual borrowing report, the school resource program and employer refinancing.

The research behind the plan

3 research areas, each summarised in a few lines. Open any of them for the full detail.

Customers

What customers say

Customers value A much lower rate than quotes they had found alone. The most cited problem: A new funding gap after Grad PLUS ended.

  • Free to join with no credit impact
  • Needing a cosigner
  • In their words: “group buying power”

Market

Competitive landscape

4 competitors compared: Sallie Mae, College Ave, Credible and SoFi and Earnest.

  • Gap to exploit: Program-specific guidance after the Grad PLUS change
  • Sallie Mae: No group negotiation
  • College Ave: Single-lender offers

Hiring signals

Juno has 14 open roles and they map to one bet: the end of Grad PLUS sends graduate students to private loans, and Juno wants to reach them first.

  • Growth Marketing Manager: Expand a profitable paid engine across Meta, Google, TikTok, Reddit, creators and SEO/AEO. Ideas 7, 8, 9, 10, 15.
  • Lifecycle Marketing Manager: Email and SMS measured in applications and funded loans. Ideas 4, 12.
  • Email Marketing Manager: High-volume sends across grad, undergrad and refi. Ideas 3, 14.

From the team that wrote this playbook

All products
  • ProgrammableAgencyWorking AI systems in days, not quarters (opens programmable.agency in a new tab)
  • ProgrammableInfoAn agent that finds, researches and asks first (opens programmable.info in a new tab)
  • ProgrammableDigitalScreenshots in, an animated product demo out (opens programmable.digital in a new tab)
  • ProgrammableWatchKnow the day a supplier falls out of compliance (opens programmable.watch in a new tab)
  • ProgrammableTalkGet registrants for your events, and know who’s coming (opens programmable.talk in a new tab)
  • ProgrammablePageText what you need, your customer gets a page that works (opens programmable.page in a new tab)
  • ProgrammableCommunityForums with labelled AI members, never empty (opens programmable.community in a new tab)
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