There has been a change in the law. ROTC grads accepted to medical school get almost automatic education delays (nothing is truly automatic, but it is not like the restrictions in the academies.) When they finish residency, then they owe their time. If they also do HPSP, the commitment is added on top of that. Several colleagues have done this and owe 8-9 years after residency. Each case is a little different. If a person is looking for a way to pay for a good college their family cannot afford, then ROTC is a way to open the doors. But, as always, never go into a deal with the gov't with eyes shut.