Navy 4 year HPSP with OMFS tied in vs Civilian OMFS Residency Route

[Kittenz]

What's a better financial plan? To do HPSP with residency somewhere in OMFS (without loans but lower pay at first), or to go the Civilian route of OMFS (with immediately higher pay but have almost 300k debt from dental school loans)?

Also, If one were to go through HPSP, would it be better to apply for OMFS after the 4 year commitment, or before?

Thanks!

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[Destiny11]

What's a better financial plan? To do HPSP with residency somewhere in OMFS (without loans but lower pay at first), or to go the Civilian route of OMFS (with immediately higher pay but have almost 300k debt from dental school loans)?

Also, If one were to go through HPSP, would it be better to apply for OMFS after the 4 year commitment, or before?

Thanks!

Do HPSP, especially at a private school. If you do HPSP, if would be better if you apply right away. However, Navy does not offer as many OMFS slots to new grads compared to other branches.

 

[krmower]

Best plan with any Service is to apply for OMFS as early as possible. The sooner after coming on active duty that you get into the program, the sooner our obligation and your potential for higher pay will occur.

 

[dantemac]

If you're only thinking about money, maybe military service isn't for you?


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[mstanley614]

I agree with @dantemac. Except that the monetary aspect of it is worth it, in and of itself. However, the time you'll be in will be a disservice to you and the military if you don't have the right mindset and goals upon entering. That being said. If you are going into dentistry…. the HPSP is the best way to go. Bar none.