The Army is great oppurtunity to get your school paid for. Do not listen to the individual who posted the first reply. If you noticed, he has not even started medical school yet, and thus has no experience with HPSP. I am an Army HPSP student and a 2nd year student at VCOM. While the things mentioned are possible - these things will be unknown to you and therefore should be no surprise. The military committment is however many years your scholarship is for post resdiency. So you will have minimum of 8 years. And most civilian docs will not have school loans paid for by this point. As far as needing extra money, that is a personal choice. If managed correctly, a single person can easily live off the stipend. Don't forget, anything required by the school, you get free (money saved right there). Since you are going Army, GMO means nothing to you. The Army does not have GMO tours. In fact, most Army students match with there residency of choice. I believe last years number was up around 70%. As far as residency/specialties are concerned, you can do anything a civilian Doc can do and you are not limited by any means. In fact, you might even be able to get these slots easier, because your competetion is self-contained within the Army. And Iraq, I would never worry about something like that - you know and understand the document you are about to sign and you know where that may lead. It is part of the duty to Country. And if you are getting ready to start medical school in the fall - you have little to no chance of being in a combat zone for at least 7 years (4 years of school, 3 years residency). You are making a wise choice. Seving your country is an Honor and you will benifit from this far more than you can probably see right now. Good Luck and Hope everything works out for you.