I'm a reserve O-4 (DOR 1 Apr 03) over 16 NC officer. Converting my reserve points to active duty equivalent yields 5 years active duty time. I'm accepted to med school starting 8/2006. I'm 49. Based on the above, can I take HPSP and not be forced out due to age limits, before hitting 20 years for retirement eligibility? Usually non-flag line officers must retire at 60. I know there are waivers/exceptions for medical officers, but for how long? I don't want to take HPSP and be told in 13 years "sorry, goodbye" when I'm still months short of the 20. Or do I do as many on this forum suggest: pay my own way, and come back in via FAP, or simply back into the reserves to get my "reserve 20" with some possibility of student loan repayment? All options and opinions for my unique situation welcomed. Thanks.