I may be wrong, but I think that your years in residency don't count as "payback time". Those ears just don't add on to your total required number of years. Also, I'm not sure what the compensation rates are for military vs civilian residency, but I do know that the military likes to include stiff like health insurance and vacation time in their calculations for a total of what you get compensated.
Like I said, I don't know for sure. I need to look into it more.
3. What is the payback?
One year of service per year of scholarship received. Military residencies do count as payback HOWEVER, you also accrue one year of payback for each year of residency after your FYGME year. In other words you can complete one extra year of residency past your level of commitment without incurring more time. (4 year scholarship recipients can do 5 years of post grad training without accruing more time)
In most cases one must complete their internship (FYGME in military lingo) year with the military
One must apply to military residencies and if selected must take that residency. If one is not available in your field or you are not selected you will be deferred to a civilian residency.
http://forums.studentdoctor.net/showthread.php?t=118576
My question is, though, what would be so bad if I do say a gas residency in the military vs civilian? DrWilly made it seem like a military match << civilian match, and I'm trying to figure out why.