Invest in each other's futures.
HiSpi lets a person raise money against their future income. A class of backers funds them, partner employers hire them, and they repay a share of income that never costs more than a 14% APR loan.
- Class size
- 20–30 people
- Amount per person
- $20,000
- Repayment
- 6.3% of income above $40,000
- Most it can cost
- 14% APR, 11% with a partner hire
- Term
- 10 years, then forgiven
Talented people can't fund the step that gets them there.
Grad PLUS ended, and federal grad loans are now capped.
Published all-in price of accelerated nursing programs at Samuel Merritt.
Median pay for a registered nurse in California. The earning path is clear.
Fund your program without a co-signer.
The first class is for Bay Area accelerated nursing students, starting at Samuel Merritt. Nothing is due in school, and you pay $0 in any year your income is under the floor. In our model, a typical new Bay Area RN pays about $400 a month.
Back a class of people in your field.
For California nurses, NPs, CRNAs, alumni and mission investors. You back a class of 20 to 30 people, repaid from income through a licensed servicer. We share the modeled target and the downside on a call.
A funded, licensed new-grad pipeline.
Meet each class before graduation. A partner hire lowers the graduate's ceiling to 11%, so your offer carries a real benefit. We're shaping placement fees and sponsored seats with Bay Area talent teams now.
One contract, priced per person.
Everyone signs the same terms. Only the share of income changes, set by the HiSpi pricing engine from the program's expected earnings.
- Step 1
Apply
We verify enrollment, progress and identity. No co-signer, no credit-score cutoff.
- Step 2
Join a class
20 to 30 people are raised together. Backers fund the whole class, all or nothing.
- Step 3
Meet employers
Before graduation, we introduce the class to partner hospitals. You're never locked in.
- Step 4
Repay from income
Once you're licensed and working. It ends at the ceiling or at year 10, whichever comes first.
| Feature | HiSpi (draft) | Private loan, co-signer | Private loan, no co-signer |
|---|---|---|---|
| Cost | Income-based, capped at 14% APR | About 4–15% fixed | Often declined, or about 12–16% |
| Co-signer | No | Yes | No |
| A bad year | Pay $0 | Full payment due | Full payment due |
| Forgiveness | After 10 years | None | None |
Draft terms used in research interviews. They may change and are not an offer.
Be part of the first class.
We're holding research conversations through December with students, backers and hospital teams. A 30-minute call is the fastest way to see the terms and tell us what would make them work for you.
Book a 30-minute call calendly.com/john-hispimarkets/30min