MS2 Army HPSP, pretty much the same for AF
payback = 1 year AD + 1yr IRR per year medschool
but what you really want to know is after residency how much do you owe?
the best way to explain is via examples.
in general your payback is 8 years for 4 years medschool, but....
ER 3 yr residency= 4yr AD, 1yr IRR
OB/GYN 4 yr residency= 4yr AD, 0yr IRR
GS if 5yr residency= 5yr AD, 0yr IRR
anesthesiology with critical care fellowship (military) 4 yr residency, 1yr fellowship= 6 yr AD (see below for why its not 5yrs), 0 IRR
critical care via IM 3yr residency, 2 yr CCM fellowship (military)= 6yr AD (4 for medschool + 2 for fellowship) + 1yr IRR
cardiology 3 yr IM residency, 3yr fellowship= 7yr AD (4yrs medschool + 3yrs fellowship) + 1 yr IRR
GS + plastics in military= 5-6 GS residency + 2yr plastics fellowship= 7-8 yrs AD (residency length + fellowship) + 0 IRR
you get attending salary while doing military fellowship but you add more AD payback time.
what's the formula you say?
base AD payback is based on which is longer: medschool vs. residency
for residencies that are 3-4 yrs and no fellowships your AD will be 4 yrs.
for residencies that are >4yrs like GS your AD is based on your residency length.
if you do a military fellowship the formula is..if you do a 1 or 2 yr fellowship your AD payback is 2 yrs, >2yrs fellowships (like cards) it is year for year.
IRR: if your residency length + medschool is < 8yrs (FP,IM,ER,peds,etc.) you will owe 1 yr IRR. for residencies 4yr or great no IRR. that is why cards and IM/CCM still have 1 yr IRR leftover from there original payback, but anesthesiology/CCM doesnt.
If you dont do a military residency your IRR time goes up because your aren't "paying that back" during residency. so ER civilian will be 4 yrs AD + 4yrs IRR. when recruiters tell you your payback is year for year of medschool they dont tell you that is based on a 4yr military residency.
you cannot "choose" to do a civilian vs. military residency per se. the military makes that choice. you can request though, but.....
here are some situations for deferrment:
army needs anesthesiologists and GS and NS so if there are too many applicants they will let the extras go to civilian residencies, but they will keep the best for themselves.
some peeps try and get deferrments by not doing ADT rotations in the field they want to go into hoping that residency directors wont pick them if they dont know them. however for some this has worked and for some if hasnt. if you are own outstanding candidate you may still get picked up.
Word on the street is that Army is very good at letting you go into what you want despite their needs, but AF isnt. This is from my dean of student affairs who deals with residency matching.
if you want to make a career of the military and you do a civilian residency have the military pay for it. you will owe extra time but doesnt matter if you are staying in, you get military pay and benefits, and civilian residency directors love you b/c you are free labor.
while in medschool your ADTs are slightly different for AF vs. Army.
but we all do 4 ADTs (6 weeks) for 4 yrs of medschool sponsored.
Army has a 6wk officer basic course either before or after 1st year which counts as your 1st yr ADT. 2nd yr ADT is done at school studying for step 1 exam. your last two ADTs are audition rotations at military sites. our school doesnt allow away rotations during 3rd year so i will do them both at the beginning of 4th year. remember military match apps are due october 15 of your 4th year and you find out dec 15 of your fourth year which is alot earlier than civilian (find out in march of fourth year) so plan ahead.