I'm considering joining the AF when I graduate, but I'm not sure if it's the "best" thing to do.
I'm a second year dental student, married, and with some tuition help from my parents. When I graduate, I think I'll be lucky enough to only have around $50k in loans. AF interests me for many reasons, but probably primarily because of the opportunity to live overseas. My husband and I would love to live abroad for a while and would like to start having children in the next couple of years.
My main concern right now is financial. I don't need to make a ton of money, but I feel like if I joined after graduation, made the approx $75k per year and did a loan repayment, with the amount of loans I have, I will actually be getting a way worse deal than someone that perhaps did the scholarship deal throughout school. Not to mention be way worse off financially than if I went off on my own.No doubt you will be getting less money, but you don't need as much either. Don't forget the economy still hasn't completely recovered. I just finished up at a national dental meeting and the recurring theme is that, dentistry has been affected by the downturn. It's not always safe to assume you will make more in private practice. Especially with the economy now.
Then there's the possible bad timing with starting a family and joining the AF. I'm just not sure if this should be a consideration or not.
I'm still interested in the AF, but I'm just not sure it's the right thing for me due to my circumstances. Any thoughts out there?