I wholeheartedly agree with all said above. I was actually in a similar situation like yours years ago. I was in quite a financial pinch and really wanted to do HPSP for financial reasons. She was against the whole idea of me being a doctor in general, not just the military thing. When I put my foot down I said, "Look, your obviously being selfish here, why should I marry you as oppose to pursuing a career in medicine when five years from now I will wake up and say, damn, I could have been a doctor by now." Her reply, "Oh yeah, will five years from now you'll be kicking yourself in the ass saying I could have had a wife and family by now".
So I got rid of her, became a doc, married somebody else, and five years later I was a doc, had a wonderful wife, and a family, her, she is a college graduate who became a major bar ***** and works for slightly over minimum wage and is miserable.
So, now that I shared a personal excerpt from my life, keep in mind a few things. On this forum you will hear all kinds of advice, but if it really is in your heart and your dearest of dreams in life to be a Navy doctor, then by God do not let ANYTHING stand in your way, especially if you have the chance to do so. Some people will never get accepted to medical school!
Of course there are some negatives of Navy Medicine, and military medicine in general, but one big positive, you will never starve, you will be paid well enough to live comfortably, and if you get through your committment time and don't like it, then oh well, you get out and get a civilian job making twice as much (three times a much in some cases), so who cares?