Judging by your questions, I assume you are a med student (or soon to be med student) who is thinking about signing up for HPSP. I joined Army HPSP this year, in late March of my first year. I only did it after looking into all the different service loan forgiveness programs (there are a lot of them). MAKE SURE you talk to other med students already in the program, as well as military physicians to help you figure out if it is right for you. Don't trust recruiters. They will tell you whatever they think you want to hear and, in my experience, are usually unable to give med students data to back up their statements. From a finiancial point of view, joining the army did not make sense to me. My med school already gave me a half scholarship, plus I would make more money as a civilian surgeon than I ever will in the army. I joined because I am FIRED UP to serve my country as a doctor/officer and to take care of the boys over in the Middle East. I am going to be a great doctor. If I don't take care of them, some inferior person might, and that will mean some poor family doesn't get their son, brother, husband, father, etc. home. If this sounds like you, let's talk more. I'll give you more info in an honest way, because there is definitely a lot of sacrifice in making the commitment.