Calculators
Funding Gap Calculator
See your exact gap between cost and federal aid in 30 seconds.
Refinance Savings Calculator
See your monthly + total interest savings.
Refinance Break-Even Calculator
When does refi savings overtake forfeited federal protections?
IDR Plan Comparator
SAVE vs PAYE vs IBR vs ICR side-by-side.
30-Year Wealth Projection
PSLF path vs Refinance path: long-term wealth math.
Clinical Year Cash-Flow
Survive clinicals on no income. Burn rate + emergency fund.
House-Buying Readiness
Can you qualify for a mortgage with NP school debt?
1099 Quarterly Tax Estimator
For locum and side-gig NPs. Quarterly federal + state.
Salary by State
NP salary, take-home, debt-to-income for all 50 states.
Decision tools
PSLF Eligibility Quiz
8 questions, scored. Find out if you qualify for forgiveness.
Should I Go to NP School?
Multi-step assessment with scored verdict.
MSN vs DNP ROI Comparator
Which NP degree pays back faster?
Specialty Comparison Tool
FNP vs PMHNP vs ACNP vs more.
Career tools
Salary Negotiation Calc + Guide
What your offer should be + scripts.
W2 vs 1099 vs Locum Comparator
Real take-home across employment types.
Side Gig Calculator
Telehealth, per-diem, locum, more.
Guides
The NP Funding Gap
Why federal caps leave most NP students $30K+ short.
Loan Forgiveness
PSLF, NHSC, Nurse Corps, and state-level repayment.
Hidden Costs
Clinical placement, exam fees, the costs nobody mentions.
Scholarships Overview
Major service-for-funding programs and association awards.
Federal Loan Changes
What OBBBA and Grad PLUS sunset mean for NP students.
OBBBA Explained
Plain-English breakdown of Grad PLUS sunset.
Employer Tuition
Employer assistance benefits for working RNs in NP school.
MSN vs DNP
Decision framework on degree level and cost.
Year-by-year
Before You Apply
12-month NP school prep checklist.
First Year of MSN
Budget, funding, and what to expect.
Second Year of MSN
Clinicals, cash flow, and job search.
DNP Year 1
Foundation funding for the doctorate path.
DNP Year 2
Advanced clinicals and capstone planning.
DNP Year 3
Final year, job hunt, and refinance strategy.
Databases
Scholarship & Forgiveness DB
50+ NP scholarships + repayment programs, filterable.
Hospital Tuition Reimbursement
Major US health systems with tuition aid.
Practice Authority Map
NP scope-of-practice by state.
Clinical Placement Agencies
Honest cost comparison of major preceptor marketplaces.
5 Pathways to a Clinical Rotation
The full landscape, ranked by cost and access. Plus city-by-city breakdowns.
Funding Stack by School
Every dollar of funding available at 50+ NP programs: federal, state, institutional, employer, NHSC, and external scholarships.
Browse
By State
NP funding guide for every US state plus DC.
By City
NP salary, programs, and employers in every major US metro.
By School
Tuition and gap math for NP programs nationwide.
By Specialty + State
FNP, PMHNP, CRNA, and more, in every state.
Partnerships
For Schools
NP programs and financial aid offices: partner with us.
For Employers
Hospitals: turn tuition reimbursement into recruiting.
New tools
NP School Application Timeline
Personalized 18-month deadline tracker. FAFSA, NHSC, school deadlines auto-calculated.
Multi-School Cost Comparator
Compare 3 NP programs side-by-side. Total debt, monthly payments, breakeven.
PSLF Employer Database
121 NP-relevant employers, filterable by state and type. Find out if your employer qualifies.
For new grad NPs
Surviving Year One
Onboarding reality, productivity expectations, and when to ask for help.
Reading Your First NP Contract
Non-competes, productivity bonuses, tail coverage, red flags.
NP Malpractice Insurance
Claims-made vs occurrence, tail cost, employer vs personal policy.
When to Refinance
The 12-18 month rule, when refi makes sense, when it doesn't.
Starting Retirement Contributions
401(k) match, Roth vs traditional, HSA strategy.
Buying a House Timeline
The realistic 18-24 month wait and physician-loan-style products for NPs.
For specific audiences
International Nurse to NP
Visa pathways, credential evaluation, funding options for non-citizens.
Military, VA, and Spouse Benefits
GI Bill, VR&E, Yellow Ribbon, MyCAA, and IHS loan repayment.
NP Tax Deductions Guide
For 1099 NPs: scrubs, license, malpractice, SEP-IRA, QBI deduction.
Reference
Glossary + FAQ
30 terms with definitions and FAQ schema.
PSLF: Public Service Loan Forgiveness
Plain-English deep dive on the 120-payment forgiveness path.
SAVE Plan
How the Saving on a Valuable Education plan calculates payments.
FAFSA
Free Application for Federal Student Aid, the gating mechanism for everything.
Grad PLUS
The federal loan that ends July 1, 2026 under OBBBA.
PAYE
Pay As You Earn income-driven repayment plan.
IBR
Income-Based Repayment, the most universal IDR option.
ICR
Income-Contingent Repayment for federal Direct Loans.
NHSC
National Health Service Corps loan repayment program.
Nurse Corps
The HRSA program that repays up to 85% of nursing education debt.
OBBBA
One Big Beautiful Bill Act and what it does to graduate student aid.
Direct Unsubsidized Loan
The cheapest borrowing option for NP students at $20,500/year cap.
OPEID
Office of Postsecondary Education ID, the school identifier on FAFSA.
SAI
Student Aid Index, the new EFC under FAFSA Simplification.
Capitalized Interest
What happens when unpaid interest gets added to loan principal.
Refinance
Replacing one loan with another, and what you give up.
Cosigner
Cosigner liability, release timelines, and credit impact.
Forbearance
Temporary loan pause and the interest cost of using it.
Deferment
Subsidized vs unsubsidized loan deferment mechanics.
Origination Fee
The upfront fee deducted from loan disbursement.
APR
Annual Percentage Rate vs interest rate, what to compare.
DTI
Debt-to-Income ratio and why it matters for mortgages.
Discretionary Income
The IDR formula that determines your monthly payment.
Federal Poverty Line
2026 numbers and how IDR plans use them.
NCLEX-RN
The exam that comes before NP school for non-RNs.
Full Practice Authority
What FPA states allow NPs to do without physician supervision.