I got in touch with a couple Dentaltown dentists who gave me some details about what it’s like to be an army dentist. One of them has a wife that is currently an army dentist. Here is what he said
Hey, you're welcome. I'm happy to share my experience. I think it's worth hearing from as many people as you can.
My wife, Maddie, and I are both general dentists and we met when she was a D4 doing a rotation through my GPR. She had already committed to the HPSP with the Army. She went to UPenn and tuition would've been $400k+ but she also could've gotten in-state tuition at the Univ. of Maryland (where I went) and ended up with about $200k in loans, but since she knew the Army was paying she went to the more expensive school.
I had a good job lined up in North Carolina and Maddie did a one year residency in Colorado Springs so we were long distance for a year. Then she unexpectedly got orders for South Korea and I decided to go along so we wouldn't spend our first year of marriage apart. I was forced to quit my great job and take a year off work, which was okay since I didn't have any loans by then, but I would have been stressed if I hadn't paid them back already. I got to travel all around Asia for the year which was awesome, but my wife couldn't join most of the time.
Maddie did the HPSP for financial reasons because she's always been more conservative with money and was scared to go in debt. She picked the Army because she didn't want to be on a boat with the Navy and the AF doesn't have many 4 yr scholarships. It seems the AF treats their dentists the best and the Army the worst. My wife is miserable at her job. She's surrounded by incompetent enlisted people, has to send all her lab work to a military lab that takes 2 months to send back sh**** crowns and has little control over her surroundings. She's worried that she won't like dentistry and will be burnt out by the time she gets out
We got very lucky and my wife got orders for Colorado Springs again (where her parents live) and we'll probably stay here when my wife gets out in 1.5 years. I have friends who were really screwed by their assignments or were deployed and spent a long time away from spouse and kids so I certainly feel lucky. We do enjoy the benefits that come with military service (TriCare health insurance, low taxes, free bags on airlines, etc), but just know that there's a LOT of bullsh** that comes with them. The dental core is being taken over by medical command and they now have to work every training holiday--no more 4 day weekends. They are also cutting a bunch of active duty positions so a higher percentage of people will be expected to deploy. If you plan on having kids in the next 8 years, be prepared for your wife deploying and being on your own for 9 months.
We plan to have a private practice together, but will probably have to delay until Maddie finishes up to buy, so that's another consideration. I think if both of you are willing to work hard right out of school, you will tackle your loans no problem and be debt free long before your fiancee would have her freedom back from the Army.
I hope I'm not being too negative, I know some people do like the military but in my experience they are usually Mormon and have a stay at home wife who can easily move with them or they are prior service and know what they were getting into. I'm sure Maddie would be happy to chat with you or your fiancee if you want to hear her side.
Best of luck
Conditions are likely to get worse in 2023 when we graduate after the military healthcare downsizing occurs. My fiancé and I decided the army route isn’t worth it for her with her projected debt being 220k and mine much lower than that