Semantics.... but during med school you accrue 4 years. Your time of residency will cause you to accrue 'x' number of years of payback. Your payback time (accrued between med school/residency) is then served concurrently.
Not semantics. I know this from using my Post-9/11 GI Bill to fund my master's degree. I took a 2-year HPSP scholarship and went AD after graduation. Intern year is neutral -- it counts toward retirement and benefits calculations, but it neither pays off HPSP nor causes you to accrue additional obligation. Then I did three more years of residency and had a three-year payoff period.
Here's where it gets interesting: A year after completing my residency, I went to use my Post-9/11 GI bill. Time spent in service can only be applied to one educational benefit at a time (i.e., time spent paying back HPSP doesn't count toward GI Bill benefits). I applied for my GI Bill benefits just shy of five years in service and was approved for 90% benefits. I waited another couple months (until after my five-year mark), reapplied, and was approved for 100% benefits. If my residency time had not counted toward HPSP payoff, I would have been approved for 100% benefits the first time -- my first three years of residency would have satisfied the 3-year requirement for the Post-9/11 GI Bill. In fact, this is what happened:
- Intern year: one year toward GIB, no HPSP payoff
- PGY-2 & -3: paid off my two-year HPSP scholarship, didn't accrue any additional time toward GIB (can't double-dip educational benefits)
- PGY-4: one year toward GIB
- First year as attending: one year toward GIB
That's why I had to finish my first year as an attending (my fifth year of AD) to qualify for 100% GIB benefits.
Over in the MilMed forum, someone quoted me the passage about AF HPSP payoff to support what you're saying (that scholarship and residency payoff are done concurrently after residency). I don't know if the Army and Air Force are running things differently, but the simultaneous post-residency payoff is definitely not the way it worked out for me, as determined by the Department of Veterans Affairs.