Would this also be true for people that do USUHS? They pay you like an O-1 when you attend and you graduate as an O-3 and tuition is 0.
You need to do the math.
Here's the short version of the calculations (very rough. Someone with more familiarity, please correct my numbers): The scholarship will save you at most about $70,000 a year, x 4. After interest for 10 years, you would owe $560,000. After a few years in the military you will earn as much as 160k, plus benefits. You'll need to figure out the value of the benefits, but keep in mind there are also benefits with many civilian jobs.
How much will you earn in civilian life? You're not likely to earn less than 250k. You have a good chance of earning 300k-400k or more. So, by the time you would have finished your military obligation, unless you're in a particularly low-paying primary care position, you will be ahead financially by just taking out the loans.
You should get more precise numbers for the military salary, factor in years of residency, residency salaries, and the estimated salary for your anticipated specialty, which is another wild guess at this point.
In general, almost always, taking out loans is a much better deal. Not to mention all the other burdens that military life will impose on you.
Being in the military might interfere with your ability to go into your preferred specialty.
Then you need to factor in the deployments, risks, and miseries associated with being in the military, along with the benefits of serving and the military experience. I have no direct experience with the military, but I have read the threads on the military forum. Based on that reading, it's also my understanding that unless you're a trauma surgeon in a combat zone, you will see fewer patients and lose skills, rather than be busy and gain them.