Hi Guys, I'm on the 4 year Army HPSP.
If anyone has particular questions, you can PM me or post it here and I'll try to answer as well. Like the OP, I just finished first year of dental school and since my school is year-round, no breaks, I am currently doing my 45 day ADT at school, hence just going to school as normal. You also get paid basic allowance for housing while on ADT which can help a lot depending on the zip code for your school. I know students at NYU get a huge chunk of cash during this time. This extra cash will be my traveling/vacation money for winter break!
Anyway, I took the 4 year /w the 20K sign on bonus and it has definitely helped me get through the first year without worries. I have had a lot of classmates stress over purchasing equipment and little supplies like plastic teeth, replacing broken instruments, impression materials, burrs, etc. and not having that extra cash for it. I used a big chunk of the bonus money to pay off the car I purchased 2 years ago. It definitely helps to have that financial cushion so living life is a lot easier. It also helps that a lot of my classmates and friends are on the same program and we can all relate and joke about being in the military. It's all in good fun and helps everyone not worry about life after dental school because who really knows where we all will end up and what will happen. I do think that because a lot of my good buddies are on HPSP, it helped make my decision much easier when considering taking max loans or going through the Army.
Just a heads up. For the Air Force, if you are not already applying and in contact with your recruiter, it's pretty much impossible to get the scholarship at this point. The Navy offers only a very limited amount of 4 year scholarships but the Army still has 100+ per year they award. Get busy and contact your local recruiter STAT!