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I was talking to my army buddy. He said that if he were to specialize after dental school his resident program would count as neutral years. So 4 years on HPSP + 4 year resident = 4 years pay back. Navy resident programs also needs pay back year to year. so 4 years on HPSP + 4 years resident = 8 years pay back. He wants to do OS. So is Army and Navy resident pay back years different?