Your money doesn't work
like a 9-to-5 schedule.
We built Pulse for nurses comparing refi rates between codes, travelers juggling three agency paychecks, and residents paying student loans on trainee wages. Your financial audit starts here.
Financial Health Score
Moderate risk — actionable
Federal + private consolidated
Dealership financing — above market
Debt-to-Income Ratio
📋 Finding
Your debt-to-income ratio is 47% — 11 points above the healthy threshold for a healthcare professional at your income level.
On a $74,000 gross salary (standard RN base + shift diff), $34,780 per year is servicing debt. That leaves limited runway for an emergency, a down payment, or a career pivot. Travel nurses carrying three agency W-2s often see DTI calculations reject them at traditional banks — Pulse uses blended income methodology.
Emergency Fund Status
📋 Finding
You have approximately 3 weeks of expense coverage in liquid savings — far below the 3–6 month buffer recommended for healthcare workers with variable income.
For traveling CNAs or per diem nurses, irregular pay cycles make this gap dangerous. One agency dispute, one contract cancellation, or one unexpected gap between assignments and you're carrying credit card debt at 22% APR. Our High-Yield Emergency Fund earns 5.1% APY with no minimums and same-day access.
Retirement Trajectory
📋 Finding
Your 403(b) balance is $41,000 — roughly 54% of where it should be for a 31-year-old healthcare professional targeting retirement at 62.
The gap is partly structural: your hospital's 403(b) match is 3% of base salary only — shift differentials, on-call pay, and overtime don't count toward match calculations. That's a hidden compensation cut most nurses never see on paper. We can model what a Roth IRA alongside your 403(b) would do to your retirement number.
Insurance Gap Analysis
📋 Finding
Travel nurses switching contracts face an average 60-day gap in employer-sponsored coverage. Your current plan has no bridge coverage and a $6,500 individual deductible.
A single ER visit during a contract gap — the kind of thing healthcare workers recognize immediately — can generate $8,000–$22,000 in out-of-pocket costs. Our short-term bridge policy costs $87/month and covers the gap between assignments with no deductible for in-network care.
Your financial diagnosis,
with specific treatments.
Each product below is tied directly to a vital sign identified in your audit. No upsells. No products you don't need.
Healthcare Worker Refi Loan
Targets: Student Loans + AutoConsolidates your federal and private student loans plus your above-market auto loan into a single payment at 4.2% APR. Shift differentials, per diem, and travel stipends count as income. No origination fee for healthcare workers.
High-Yield Emergency Fund
Targets: Emergency Fund GapA savings account that earns 5.1% APY with no minimum balance requirement and same-day ACH access. Auto-deposit from any payroll system — including multi-agency setups.
Roth IRA + 403(b) Supplement
Targets: Retirement GapWe model your 403(b) match structure — including what your employer isn't matching on differential pay — and design a Roth IRA contribution schedule that fills the gap without disrupting your cash flow.
Travel Contract Bridge Coverage
Targets: Insurance GapShort-term health coverage that activates the day your employer plan ends and runs until your next contract's coverage begins. No deductible for in-network care. Designed for 14–90 day gaps.
Member Outcomes
Real numbers from real healthcare workers.
"Three agencies, two states, one W-2 that looked like a tax nightmare. Every bank I tried said my income was "inconsistent." Pulse looked at my blended earnings and refinanced my $89K in loans in eight days. I'm saving $412 a month."
Danielle Okafor
Travel ICU Nurse, RN-BSN
Currently: Phoenix, AZ
"I was making $63,000 a year with $214,000 in med school debt. My DTI was 58%. Pulse structured an income-based refi that drops to market rate the moment I finish residency — and they actually explained what my 403(b) match was missing."
Marcus Tran
PGY-2 Internal Medicine Resident
Johns Hopkins, Baltimore MD
"I compared refinance options between two codes on a Tuesday night. That's not an exaggeration. The Pulse calculator actually works on a phone with one hand. Had a rate locked before my next shift started."
Brianna Castellanos
ER Charge Nurse, CEN
Chicago, IL — Level I Trauma
Run My Free
Financial Audit
You've seen what your vitals look like. Three steps to get your personalized prescription — no credit pull until step 3, and only if you authorize it.