You are correct surfdr, there is no difference at the "over 4" year mark, especially with O3E. The big difference can be seen between O1 and O1E at the six year and above marks, but since HSCP awards O3 out of medical school, this doesn't really apply. There is a slight difference for BAH between an O3 and an O3E, but not by much. The difference depends on zip code and whether the service member has dependents.
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