Hey guys! Just happened to see this. I was awarded last year. I'm faculty. My DTI ratio was ~140 or 150% (can't remember). The debt only includes student loans specific to your nursing degree. Other student loans are disqualified which can lower your ratio. It does not matter if the loans are private or federal. The income is solely your base income the employer reports. It doesn't include shift diffs, bonuses, etc. HRSA does not have a problem with consolidation as long as there is a method to differentiate other loans from your nursing loans.
Last year had a credit check in May, heard I was a finalist in late July, got a counter signature in mid to late August, and first deposit in September. Good luck everyone! This award has certainly been a blessing í ½í¸Š