I was in Army ROTC for two years since I was on the college scholarship. This meant I had a service obligation of 8 years. For the army to pick up the tab would mean another 8 years of service, bringing the grand total to 16 years! 😱
The time alone was deterrant enough for me. If financial issues are your concern, consider the fact that you will be earning considerably less as a military doctor than a civilian one, regardless of your specialty. This difference in salary is significantly greater than the amount of money you'll save by having the military pay for your medical school.
Also, consider the lifestyle of a military doctor. Fewer doctors are needed for the military population which means greater competition for specialties and a lesser chance you'll become the kind of doctor you want. Also, keep in mind the number of extra duties you'll have as an officer of the army. Wartime, fitness, uniform, and relocation obligations. Some consider it a great loss of freedom.
It was a very tough decision for me to make to quit the ROTC program, but I am happy with my choice. Bottom line: you should only take the military route if you truly want to put on the uniform and serve your country.
Hope that helps! 😀