If I were to do STRAP and both SP/HPLRP, I might as well stay in for 30. Which, who knows, I may do anyway, but it'd be nice to have a choice.
Yeah, this is the big advantage that the Guard has over HPSP and other programs. You don't sign your life away. You make iterative commitments and can stop accruing at any step. Of course, with a 2:1 commitment, if you do General Surgery, you'll be drilling for 15 years before you can pull the plug, which is a pretty big commitment for $120K.
And I still look at HPLRP and Special Pay as "1:1", in that if they pay you once, you owe a year. Whether you've already worked that year or have yet to is trivial.
It's different, though. I avoid saying 1:1 about HPLRP and Special Pay because when most people hear 1:1 or 2:1 when discussing military programs (MDSSP, STRAP, HPSP, FAP, etc), they are talking about the amount of payback (1 or 2) they need to pay back for every 1 year of benefits they receive
🙂1). A 1:1 program is something like FAP, where you receive a stipend for five years while in residency, then payback 5 years of service after. Or for MDSSP (if you also take STRAP later), which is a 1:1 program because you accrue 4 years of obligation to be paid back after taking benefits for four years.
I wouldn't use the term 1:1 to talk about HPLRP or Special Pay because it implies to lots of folks that you take Special Pay for one year, get the money, then owe a year of service afterwards, which isn't the case. Lots of people out there think that's how it works, for some reason.
No biggie. There's just a lot of confusion about Guard programs, but folks seem to get the 1:1 and 2:1 when talking about MDSSP and STRAP, so I avoid using the terms differently when discussing programs like Special Pay and HPLRP. I get what you're saying now though.