Enlistment Bonus

This forum made possible through the generous support of SDN members, donors, and sponsors. Thank you.

Milamber

Grand Poomba
10+ Year Member
15+ Year Member
Joined
Feb 22, 2008
Messages
318
Reaction score
0
Points
0
  1. Medical Student
Advertisement - Members don't see this ad
I was wondering how the enlistment bonus got distributed. Currently the Navy and Army are offering a bonus for the HPSP of 20K on top of the program and I was wondering if anyone knew how this was distributed. If you would get it once you sign the contract or at a later date. Also would they split it up into two payments or would it be one lump sum?

Thanks
 
my recruiter said it would be given in two payments most likely once we were already in med school. this is the army, so the navy might be different.
 
Just FYI, I believe the USAF is also now offering the $20K bonus.

As of now only the Army and Navy are offering the 20k bonus (unless something has changed in the last couple weeks).

As far as when the payout occurs for the army, according to the official memo:
"The CSAB for HPSP may be offered only to students who enter the MC and DC HPSP. No other Health Care degree students are eligible and requests for
waivers and/or exceptions will not be entertained. As part of the accessions
process, the students will sign a service agreement acknowledging and
accepting a 4-year Active Duty Service Obligation (ADSO). The CSAB will
consist of three payments of $9000, $9000, and $2000 (each less tax) which
will be processed by OTSG as to provide the bonus payments not later than
30 days after the first HPSP stipend electronic fund transfer.
All four,
three, two and one year MC and DC HPSP applicants who complete the CSAB
memorandum on or after 4 Jan 08 and sign a service agreement are eligible
for the CSAB."
 
As of now only the Army and Navy are offering the 20k bonus (unless something has changed in the last couple weeks).

It probably has changed, at least according to my source. I was told that the USAF fought the bonus hard, but eventually succumbed. I was also told that you wouldn't be able to get the bonus until the start of the next academic year, though. Apparently, it's not immediately available, like the others. I guess they only way to be sure is to see a contract, which I haven't yet.
 
The usual tax rate is 28% federal plus whatever your state tax is. 20K seems like a lot, but it really turns out to be just under 14K. 🙄
 
I think I got a little under 16k after taxes.
 
Still, $15K-ish on top of everything else: not too shabby.

Does anyone know if the signing bonus is automatic if you get the HPSP scholarship?
 
Sheesh. It figures.

You're doing a 3-yr USAF scholarship too? Damn maybe you can kick my as at COT this summer if we go... I lift to stay in shape but I can run for like 5 mins without suffering an MI. True story.

Anyway, if you are getting the 3-yr, do NOT sign for the bonus. The bonus comes with a 4-yr AD service obligation. If you sign as a 3-yr HPSPer, you'll be taken for a ride.
 
Advertisement - Members don't see this ad
Anyway, if you are getting the 3-yr, do NOT sign for the bonus. The bonus comes with a 4-yr AD service obligation. If you sign as a 3-yr HPSPer, you'll be taken for a ride.

you are wrong. you may want to contact someone real quick and collect your money. we covered this several months ago but i can't find the thread.

anyway, as long as you do your residency in the Navy, the CSAB doesn't add time to a 3-Yr HPSP obligation. look at the official payback charts (attached)

i hope none of you have missed out on this opportunity.
 

Attachments

You're doing a 3-yr USAF scholarship too? Damn maybe you can kick my as at COT this summer if we go... I lift to stay in shape but I can run for like 5 mins without suffering an MI. True story.

Yeah, Max, I'm applying for the 3-yr USAF scholarship. My recruiter is finishing up the last of my paperwork and getting ready to send it in... Assuming everything goes well and I get the scholarship, I'll be seeing you at COT this summer. I have to get back into shape first, though... I gained something like 20 lbs since beginning medical school.
 
It's not quite as simple as simply deducting 28% from your net earnings. See http://www.irs.gov/formspubs/article/0,,id=164272,00.html for explanation of taxations rates for single payers and individuals with dependents. Assuming you only make money through HPSP and start medical school in August, you can expect a net income for your first year on scholarship of $29535 ($20000 + 5 months at $1907). This would lead to a tax burden of $4039, so your net income would be $25496 before all those social deductions (SS and Medicare) and state income tax. The key, and why you might want to get to know an accountant, is that certain of our expenditures would be tax deductible and you can use that to get some or--if you're really clever--all of that money back. Another thing you could do as make charitible donations to reduce your tax burden. For instance, if I really liked my alma mater I could make a $4040 tax-deductible donation to the UofC, and the fed would never see a cent from me in income tax.

On the ADO note, at worst it adds one year to your ADO if you're a 3-year HPSPer. As pointed out, if your in-service residency exceeds the duration of your HPSP, you will have an ADO equal to your time in residency. My recruiter was baffled that some people were turning this down (particularly those entering into a 4-year HPSP) as it adds little or nothing to your contractual obligation.
 
It's not quite as simple as simply deducting 28% from your net earnings. See http://www.irs.gov/formspubs/article/0,,id=164272,00.html for explanation of taxations rates for single payers and individuals with dependents. Assuming you only make money through HPSP and start medical school in August, you can expect a net income for your first year on scholarship of $29535 ($20000 + 5 months at $1907). This would lead to a tax burden of $4039, so your net income would be $25496 before all those social deductions (SS and Medicare) and state income tax. The key, and why you might want to get to know an accountant, is that certain of our expenditures would be tax deductible and you can use that to get some or--if you're really clever--all of that money back. Another thing you could do as make charitible donations to reduce your tax burden. For instance, if I really liked my alma mater I could make a $4040 tax-deductible donation to the UofC, and the fed would never see a cent from me in income tax.

If you owe $4039 in federal taxes and make a $4040 donation to your alma matter, it wil not mean that you don't owe taxes. Charitable donations are tax deductible, not a tax credit. The big difference being that with a deduction, you take it off your taxable income, which in this case means your taxable income would be reduced by $4040. A tax credit is a dollar for dollar reduction of tax liability.
 
If you owe $4039 in federal taxes and make a $4040 donation to your alma matter, it wil not mean that you don't owe taxes. Charitable donations are tax deductible, not a tax credit. The big difference being that with a deduction, you take it off your taxable income, which in this case means your taxable income would be reduced by $4040. A tax credit is a dollar for dollar reduction of tax liability.



That is correct. It really only helps you if all of your itemized deducations would be greater than your standardized deducation, and even then, it would probably only reduce your "tax burden" by some fraction of the $4039. (if you are in the 15% tax bracket, and you itemize your deducations, you will get back 15% of $4039 donated)



I am not a tax master, but this is the way it generally works out.
 
I'm guessing they probably deduct the 28% when you get the check, but you would get a lot of that back when you file taxes. Large chunks of money are often taxed at a high rate because 1) it looks like you have made a lot of money in a single period, and 2) they don't want to not withhold enough and have you owe on it come April. I know every bonus I've ever recieved has been taxed at the highest possible rate - 43%, but then when I file taxes I get the difference between that and my marginal rate (15%), so 29% comes back to me.
 
BUT if I defer, I owe an additional year? For the AF, it's not safe to assume that all HPSPers will opt for military GME. To the best of my knowledge, the AF grants a larger amt of deferrals than the other branches due to its relatively limited GME opportunities.

AND FINALLY, DOES THE USAF NOW OFFER THE 20K BONUS?

There has been no absolute answer on these boards.. NavyFP?
 
Yeah, Max, I'm applying for the 3-yr USAF scholarship. My recruiter is finishing up the last of my paperwork and getting ready to send it in... Assuming everything goes well and I get the scholarship, I'll be seeing you at COT this summer. I have to get back into shape first, though... I gained something like 20 lbs since beginning medical school.

I havent gained much weight but I've gained fat and lost muscle.

At any rate, I am in a similar situation. I finished my application a few weeks ago and it should be reviewed this month sometime. Probably will see you at COT.

Good luck... and are you sure about the 20k bonus?
 
BUT if I defer, I owe an additional year? For the AF, it's not safe to assume that all HPSPers will opt for military GME. To the best of my knowledge, the AF grants a larger amt of deferrals than the other branches due to its relatively limited GME opportunities.

AND FINALLY, DOES THE USAF NOW OFFER THE 20K BONUS?

There has been no absolute answer on these boards.. NavyFP?

I really don't think they do yet. Ask your recruiter, they would be the first ones to know because they would have an extra form for you to sign.
 
Advertisement - Members don't see this ad
Anyway, if you are getting the 3-yr, do NOT sign for the bonus. The bonus comes with a 4-yr AD service obligation. If you sign as a 3-yr HPSPer, you'll be taken for a ride.

you are wrong. you may want to contact someone real quick and collect your money. we covered this several months ago but i can't find the thread.

anyway, as long as you do your residency in the Navy, the CSAB doesn't add time to a 3-Yr HPSP obligation. look at the official payback charts (attached)

i hope none of you have missed out on this opportunity.

i wanted to clarify my statement from earlier. technically you were correct- acceptance of the CSAB imparts a 4-Yr active duty service obligation. however, for reasons unknown to me, the internship year counts toward one of those years in the context of the CSAB. So as long as a 3-Yr HPSPer does their residency in the Navy, you do not add payback years by taking the CSAB.

and I have no idea whether the Air Force is now offering the Bonus. Sorry.
 
What does CSAB mean, sorry I'm new to the hpsp process. Thanks
 
I'm not 100% sure, since I haven't seen the contract yet, but it is what my USAF recruiter told me. He said that the USAF was now offering the $20K bonus.

If they have it they will send you the air force version of this document saying that you agree to take the CSAB. If they are offering it, I would get it in writing before you sign up. Until then...your recruiter may just be hopefull that they are going to offer 20k. As has been mentioned before, there is no reason for them to offer the extra money if they have no problem will their slots, they have jet fighters to build still 🙂 Air Force priority isn't physicians, it is their pilots and air programs. (ditto for army and navy, but they are only filling around 50% of their HPSP slots)
 

Attachments

It's possible, but still not guaranteed.

Here's a quote from General Hepburn in the Winter 2007 AF Medical Corps Newsletter.

"...the AFMS recently submitted a formal package to the Under Secretary of Defense for Personnel & Readiness requesting authority to offer a $20K HPSP Accession Bonus to all prospective AF HPSP applicants who sign contracts in the current FY. This initiative is designed to match that which is currently being offered by the Navy and which the Army is anticipated to offer
shortly as well..."


PDF is too big to attach. PM if you want to see a copy.
 
It's possible, but still not guaranteed.

Here's a quote from General Hepburn in the Winter 2007 AF Medical Corps Newsletter.

"...the AFMS recently submitted a formal package to the Under Secretary of Defense for Personnel & Readiness requesting authority to offer a $20K HPSP Accession Bonus to all prospective AF HPSP applicants who sign contracts in the current FY. This initiative is designed to match that which is currently being offered by the Navy and which the Army is anticipated to offer
shortly as well..."


PDF is too big to attach. PM if you want to see a copy.

Interesting. I wonder if it's progressed from this point. My recruiter made it sound like it was a sure thing. Then again, yeah, not surprising.
 
Interesting. I wonder if it's progressed from this point. My recruiter made it sound like it was a sure thing. Then again, yeah, not surprising.

I think if they can show that the AF numbers are dropping due to the 20k being offered to Army and Navy, they will be able to get the money, if not, they will probably just save their money for jet fuel or something. Please post as soon as something official is put out (besides what some general says he wants to happen...they are about as reliable as politicians, maybe less so if they were pilots).
 
My recruiter made it sound like it was a sure thing.

My recruiter said the same thing about getting a residency... and choice of assignment... and autonomy... and... you get the picture. No residency, s#itty assignment, I have to ask a nurse if I can leave the office to go pee, etc.

Don't believe a word that any recruiter says. If they tell you what time it is, check your watch.
 
My recruiter said the same thing about getting a residency... and choice of assignment... and autonomy... and... you get the picture. No residency, s#itty assignment, I have to ask a nurse if I can leave the office to go pee, etc.

Don't believe a word that any recruiter says. If they tell you what time it is, check your watch.

Agreed. I am convinced my recruiter was the devil. "doctors don't go to war" "you will get to do the residency of your choice" "GMO tours are OPTIONAL". I knew the residency thing was false.

No residency, Iraq, GMO and I also answering to a nurse. But most of these worked out for the best except for the nurse part.

In the end its what he didn't tell me.
 
Advertisement - Members don't see this ad
Anyone have any luck securing the Army HPSP 20K CSAB bonus who may have signed up before January 4, 2008. I commissioned in late November this year and was not aware of any bonus being offered or on the table (I will be starting medical school this coming August). I feel a little duped and slighted considering that had I waited an extra month or so, or perhaps was wait listed due to a medical waiver, I would have been guaranteed the bonus. I was told by someone that I could resubmit my paperwork to qualify for the bonus but my recruiter is speculating that it isn't that easy. Just wondering if any of you know someone who is dealing with the same issue and perhaps was able to work something out. After all, 20K is 20K.


Thanks.
 
Anyone have any luck securing the Army HPSP 20K CSAB bonus who may have signed up before January 4, 2008. I commissioned in late November this year and was not aware of any bonus being offered or on the table (I will be starting medical school this coming August). I feel a little duped and slighted considering that had I waited an extra month or so, or perhaps was wait listed due to a medical waiver, I would have been guaranteed the bonus. I was told by someone that I could resubmit my paperwork to qualify for the bonus but my recruiter is speculating that it isn't that easy. Just wondering if any of you know someone who is dealing with the same issue and perhaps was able to work something out. After all, 20K is 20K.


Thanks.

Check with your recruiter. If they are doing the right thing, they will grandfather all the students who sign during the fiscal year.
 
Anyone have any luck securing the Army HPSP 20K CSAB bonus who may have signed up before January 4, 2008. I commissioned in late November this year and was not aware of any bonus being offered or on the table (I will be starting medical school this coming August). I feel a little duped and slighted considering that had I waited an extra month or so, or perhaps was wait listed due to a medical waiver, I would have been guaranteed the bonus. I was told by someone that I could resubmit my paperwork to qualify for the bonus but my recruiter is speculating that it isn't that easy. Just wondering if any of you know someone who is dealing with the same issue and perhaps was able to work something out. After all, 20K is 20K.


Thanks.

Tough to say if you will get it or not, but I would definitely try to get it if I were you.

Bonuses and the army are a funny thing. Once you get in you will see how it works, there isn't much method to the madness. One day they may be offering medics 30k more if they will sign up for another 4-6 years...then out of the blue a message will come out saying, they want to give them another 7500 dollars if they sign up within a month or so...then next thing you know, the army met its recruiting goal, some kid was standing on the fence about signing up for more time, and a message comes out saying...no more bonus...it is kind of like the stock market.
 
Interesting. I wonder if it's progressed from this point. My recruiter made it sound like it was a sure thing. Then again, yeah, not surprising.

My AF recruiter said he didn't think it was going to happen, for AF or for Army
 
My AF recruiter said he didn't think it was going to happen, for AF or for Army
I signed my package to be sent to the Army surgeon general yesterday and I sighed paperwork that specifically stated that I would be given the 20K bonus once school started and I began to receive my stipend. Please look at who is giving you the information if the AF recruiter says that the 20K bonus isn't going to happen for the AF and also says that it isn't happening for the Army but other people, such as myself, say that the Army does have the 20K bonus I would begin to doubt the recruiter.

As a former Marine who has gone through this process once before and being shafted out of a bonus let me tell you that recruiters will tell you what they need to tell you in order to have you sign on the dotted line. The AF recruiter is telling you the Army doesn't have the bonus he is either ignorant of the fact and doesn't know what the other services are offering or he is blatantly lying to you in order to keep you from defecting to the Army.

If you doubt my word that the Army has the 20K bonus in addition to the HPSP check out the Army Army HPSP website Here. I would then ask your recruiter face to face about and give him the proof that the Army has the 20K bonus see what he says.

Recruiters have to meet a quota every year and will do many things including lying in order to get you to raise your right hand. I wouldn't trust your recruiter with the task of boiling water.
 
My AF recruiter said he didn't think it was going to happen, for AF or for Army

Well your AF recruiter is a lier, and he is just jealous that he doesn't have the goods to offer except some GMO tours.

Hate to say it, but that is the way it is. Check out the official message from the department of the army on this thread that I posted earlier. You won't find one from the AF yet.

Now...that said, 20k wouldn't sway my decision on 1) HPSP or 2) my preffered branch of service.

But since I want army, it is just what it is a "bonus"
 
Hey you all don't get mad at me, I'm just saying what he said, I wasn't saying it was right or wrong, just what I was told, I agree with elder jack that it shouldn't sway your opinion either way and it doesn't sway mine........good to know that it has actually become 'official' for the army
 
Hey you all don't get mad at me, I'm just saying what he said, I wasn't saying it was right or wrong, just what I was told, I agree with elder jack that it shouldn't sway your opinion either way and it doesn't sway mine........good to know that it has actually become 'official' for the army
LauraDO,

Sorry if it sounded like I was getting mad at you I was getting mad at the situation and the lies that your recruiter was perpetuating. Join the service that most fits your personally and that you feel will benefit you in the long run, if there is a bonus attached then take it. Good luck, let us know what you decide and if you confront your recruiter let us know what he says in response.
 
LauraDO,

Sorry if it sounded like I was getting mad at you I was getting mad at the situation and the lies that your recruiter was perpetuating. Join the service that most fits your personally and that you feel will benefit you in the long run, if there is a bonus attached then take it. Good luck, let us know what you decide and if you confront your recruiter let us know what he says in response.

no don't worry. I will let you know what he says I will see him tomorrow. The army recruiter out here is out of her mind and has no idea what is going on so none of the army hsps really even knew for sure (hence the main reason I choose af over army even though army was my first choice orginally)
 
no don't worry. I will let you know what he says I will see him tomorrow. The army recruiter out here is out of her mind and has no idea what is going on so none of the army hsps really even knew for sure (hence the main reason I choose af over army even though army was my first choice orginally)
Well if the Army is your first choice I would go with that, regardless if the recruiter is out of their mind. You can search the net and find the answers to your questions regarding army med just so long as the recruiter pushes the paperwork through and makes it so you can get the HPSP thats fine. I finished my paperwork and physical in one day and my packet is ready to be sent to the surgeon general for review and approval. Good luck tomorrow.
 
Advertisement - Members don't see this ad
My recruiter informed me via email that the 20k bonus has been set in stone. As soon as I am accepted, he will send me that paperwork in addition to a copy of the contract I'm going to sign.

At that point, I will verify for SDN's purposes that the USAF is offering the bonus without a doubt...
 
The army has the absolute worst recruiters that I have ever met...just thought I would throw that out there...the AF has the best lying recruiters...Hopefully we all get bonuses if we decide to take the scholarships (congress needs to change the name of it though...scholarships are free money, HPSP is indebted servitude, which isn't bad so long as you know what you get, what they get, and you want to do it).

But then again, I think that the people on the front lines should be getting much bigger bonuses as well.
 
I don't think that this article has all the facts completely straight...but it is on topic of this thread.

http://www.aamc.org/newsroom/reporter/march08/military.htm

AAMC Reporter: March 2008
Armed Forces Look to Boost Medical Student Scholarship Enrollment


By Barbara A. Gabriel, Special to the Reporter


Sara Michael had a chance to travel abroad for research after her first year of medical school. But instead, she took a slightly different kind of journey.

The University of Maryland School of Medicine student spent six weeks in San Antonio, Texas, sleeping in tents, firing M-16 rifles, and rising at 4:30 a.m. for pre-breakfast calisthenics. Granted, the tents were air-conditioned and the guns were loaded with blanks, but nevertheless, this is probably not how most doctors in training spend their summers.

The daughter of Army physicians and the sister and cousin of several soldiers, Michael said she always liked being part of what she called "the military family." "I had a blast," Michael said. "My mother couldn't believe it. But giving back to them was something I felt like I needed to do," she said. "I feel that military physicians are working toward a common good for a very worthy population."

As medical students in the Armed Forces Health Professions Scholarship Program (HPSP), Michael and her companions are commissioned officers, although this is probably the closest they will ever get to actual combat. The Army, Navy, and Air Force each offer comparable packages to entice both would-be and established medical students into the HPSP. Each branch pays for accepted students' full tuition, including any fees for books and course-required equipment. HPSP students also receive a stipend for living expenses. That stipend has increased over the past few years as the armed forces continue to fall short of their recruiting goals. While students collected $1,349 per month four years ago, this year it's $1,905.

Nevertheless, Michael is an increasingly rare breed these days. The Army, Navy, and Air Force—each of which runs similar but discrete HPSP programs—are all struggling to recruit medical students into their scholarship slots. In 2007, the Army filled only 82 percent of its HPSP slots. The Air Force fell further short with 72 percent of its slots filled, and the Navy trailed them all, awarding only 62 of its available scholarships. Recruiting heads give various reasons for this trend: The upcoming generation of medical students is less likely to come from post-draft military families; students today are less afraid of racking up medical school debt than they've been in the past; the income disparity between military physicians and their civilian counterparts is growing; and, whether the top brass rank it at the top or bottom of their lists, the ongoing war on terrorism is undoubtedly scaring students and doctors away from service.

"Certainly the war in Iraq plays a role in it," says Commander David B. McLean, M.D., associate dean of students and deputy program manager of the Navy's medical accessions department. "My father was Navy and told me all kinds of wonderful stories about how great it was to be in the Navy, and that certainly influenced me… We don't have that anymore."

To apply for a scholarship, a student must already be accepted into an accredited medical school and have high MCAT® exam scores (approximately 25 for the Army; the Air Force and Navy differ only slightly). All branches also have high GPA standards. If a student meets these prerequisites, is a U.S. citizen, and can pass a physical and a background check, he or she is a good candidate for the program. While competition for these slots was fierce only four to five years ago, today's qualified applicants stand a very good—perhaps guaranteed—chance of acceptance.

Michael attributes the falling ranks of military physicians in training in part to recruiting efforts that fall short. Despite being the child of two military physicians, Michael didn't learn about the HPSP until an Air Force recruiter approached her at college. She wanted to know more, but it was the Army that most appealed to her. "Unfortunately, it was very difficult to find an Army recruiter, which was kind of odd," Michael said. "My father actually had to go to... a big head honcho to find one for me... They advertise that they need physicians, yet it was hard for me to find a recruiter, and I was actually looking for one."

Col. Raphael Montagno, M.D., commander of the U.S. Army Medical Recruiting Brigade, agreed that the Army falls short in its education and recruiting efforts for the HPSP.

"I think a lot of it can be blamed on ourselves," he said. "We just don't have enough people to get out to each and every medical school that we need to."

Michael and other HPSP students said they had lots of questions about the program before they applied, and once they learned more, they discovered that many of their assumptions were unfounded. Chances of seeing live action are low, and students are not placed on active duty until after completing their residencies.

According to Montagno, 2005 was the first year the Army did not meet its recruiting goal, filling only 237 of its 307 HPSP slots. This 77 percent success rate was in stark contrast to previous years in which the Army either reached or exceeded its goals. In 2006, the numbers barely budged, the Army achieving 78 percent of its goal. Last year it reached 82 percent, and Montagno is hopeful that the slow upward trend will continue.

But the Army's numbers look downright sparkling when compared to those of the Navy. According to McLean, in 2005, the Navy was only able to fill 162 HPSP slots, or 56 percent of its goal of 300. In 2006, the Navy did better, but still filled only 66 percent of its goal of 290 students; in 2007, the branch attracted 181 (62 percent) qualified students out of its 290 goal.

Although the Air Force has the best numbers in comparison to the Army and Navy in terms of meeting its annually prescribed HPSP slots, it too is slipping. In 2005, the Air Force was 18 percent short of its goal; in 2006, it was 11 percent short; and in 2007, it was 28 percent off the mark. Col. Molly J. Hall, M.D., chief of the Air Force's Physician Education Branch, says that four to five years ago, the Air Force was sifting through 800 to 1,200 HPSP applications from qualified applicants to fill approximately 300 slots per year, giving them an application/acceptance ratio of 4:1 or 5:1. The Air Force hasn't altered its qualifications, Hall said, but interest in the program has gone considerably downhill: "Right now, to be perfectly candid with you, it's 1:1."

Now, HPSP officials are taking steps to bring enrollment back up. For the first time the Army and Navy are now offering $20,000 signing bonuses for HPSP students that it says is already turning heads. According to McLean, last year's pool of applicants began to increase "significantly" after the signing bonus was announced. Captain Sandra A. Yerkes, M.D., program director of the Navy Medical Accessions Department, said the Army is currently in the process of pursuing congressional permission to offer its own signing bonus, and the Air Force is considering it.

Of course, nothing is free. As commissioned officers, HPSP students are required to train in facilities within their respective branches for 45 days each year of medical school. These rotations help students decide where they would like to complete their residencies. In their fourth year, HPSP students participate in the Military Match, which is essentially run in the same manner as the national resident Match. Once they complete their residencies they must fulfill their military obligation. For each year they are in the program, they must serve one year of active duty service and one year of reserve service. Depending on their expertise and where they are most needed, military physicians may work in any number of various capacities around the world.

While some HPSP-trained physicians thrive on the military medicine environment and choose to make a career of it, others return to civilian life after they've been on active duty for four years to pursue clinical interests in private practice, academia, or as researchers. But they must still remain military reservists for another four years, during which time they may or may not be called up for duty. Hall cautioned that eligible undergraduates should carefully consider the payback time required before signing up for the HPSP program.

"I would imagine it's difficult feeling easy about making such a long-term commitment in your life at such a young age," she said. "For example, if you go to medical school at age 22, graduate at 26, and then perhaps opt for a five-year general surgery residency, your payback begins at age 31. Now you're looking at age 35 before you've completed your [active duty] obligation."
 
(sorry to just butt into this convo...but...)

I had lunch with an AF HSPS recruiter today and he confirmed that as of yesterday, the 20k is a sure thing. Not that this bonus will affect my decision to join up....😎
 
Top Bottom