Student Loan absorption

They should be able to provide you with clear terms regarding how much time alleviates how much student loan debt.

If you think you'll be unhappy in Med/Surg, typical student loan repayment is 10 years. 10 years for 10,000 is not a very large monthly payment. I'd guess around $100/month depending on the interest. It may be worth it to pay it back yourself instead of sacrificing happiness.

However, get more information from the hospital on the terms of this offer.

Where I work, for example, they require 1 year of service for every $3000 borrowed for tuition reimbursement, but everywhere is different!

Is 10k all you are going to owe after you're done? If so then there is no need to even agonize over your decision. 10k in student loan debt is peanuts in this day and age, many folks have that much and more in credit card debt alone!

Do your research before making your decision. That hospital could have dangerously high nurse to patient ratios which could explain why they're offering that payoff package in the first place.

Good luck

For myself, I figured I was too old to promise myself after graduating to any hospital in the area. Find out what you are interested in. Your hospital may not even have a NICU, peds, mental health and so on. Another way to look at it is find out the work requirement. Some you have to work 72 hrs a pp. Take the money they were going to drop from your tuition bill and divide that by the number of hours you have to work (commit) to for that year(s). And $10 grand in debt??? Not worth it really!

Thanks for the advice everyone!