Is HPSP that bad, is it really worth it? It's hard to answer these questions because every person's situation is totally unique. In an effort to be helpful, I've devised a formula. It is weighted and biased from my own experiences, so to take it for what it's worth. Answer each question. If your answer is yes, add the corresponding number to your total. If at the end, the number is positive, I would say go for it. If the number is negative, I would think twice. If I could go back in time, my total would be a - 3.
HPSP worth it? Answer these 17 questions and tally up the total. The more positive, the more likely that HPSP is a good fit for you. The more negative the total is, you the more likely HPSP is a bad fit for you.
1. Are you considering HPSP primarily for the money? - 4
2. Is it your dream to be a military officer/physician? + 4
3. Do you anticipate becoming a primary care provider? + 1
4. Do you anticipate becoming a specialist? - 2
5. Have no idea what specialty you’ll choose? - 1
6. Spouse with a demanding career? - 2
7. Interested in flight medicine, dive medicine, etc? + 2
8. Family to support and lots of expenses? + 1
9. Do you view deployment and relocating positively? + 1
10. Do you view deployment and relocating negatively? - 1
11. Interested in academics? - 2
12. Considering fellowship training? - 1
13. Anticipated med school debt $0 – 99K + 1
14. Anticipated med school debt $100 – 199K + 2
15. Anticipated med school debt $200 – 299K + 3
16. Anticipated med school debt $300 – 399K + 4
17. Anticipated med school debt $400 or more + 5