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It's pretty obvious which posters here have an 'axe to grind' and which posters are really trying to give a fair assessment of their experience in military healthcare.
I have worked at bases located in several states as a contractor.
But not active duty yourself.
All of the items he listed as 'truths' I have personally seen. If physicians loved military medicine, wouldn't they stay in?
Last time I checked there were still Army physicians serving.
HIGH turnover has created some real physician shortage problems for the military.
No one denies that. That's why the military offers bonuses.
The only way the military can address the issue is by giving medical students dumb enough to join a $20,000sign on bonus.
And what of loan repayment or tuition payment? Oh yes, they're suckers for taking the HPSP and dumb for taking the bonus.
Sadly the medical students I supervise still graduate with almost $100,000 or more in student debt even with the military's help.
Then they've been steered wrong or have made poor choices.
Google sign on bonus for military doctors and see what you get. Its true, NAVY is now offering $252,000 sign on bonus for family practice doctors wanting to sign up to be maimed in IRAQ.
This is my favorite...we all take the bonus to get maimed in Iraq. "Hey sign me up cause I want to lose a leg!"
This is because most physicians relish the limited freedom they have after so many years of indebtedness and grueling sacrifices now simply want to enjoy what is left of their "younger years."
If that's how they feel, they should have gone into nursing. Or dentistry.
Don't even get me started on the physicians coming back from tours overseas now disabled. Let me quote one active duty doctor afer multiple tours: "Lets just say no doctor comes back that is not affected in a negative way by one's deployment."
Yes, because physicians are at a higher risk for bodily harm than the infantryman/marine out on patrol every day. After day. After day.
Honestly, the words don't exist, but suffice it to say that a day doesn't go by that one physician or another doesn't relay to me disgust at military medicine.
You're probably surrounded by generally miserable people, who hate life, and each other.
Everything you can do in the military medical system you can do better on the outside.
Highly debatable.
I apologize for resurrecting this thread, but as a HPSP recipient who just got into a dental school, these information scares me..
Of course I have extra dedication that steered towards getting into the military, but majority of the reason why I decided to go for HPSP is the financial reasons.
I am most likely planning on serving just 4 years after dental school or residency and going right into civilian industry.
If I were to do it just for 4 years to pay off the active duty years, would it be financially beneficial definitely?
I will be attending a private university with 80-90k per year basis tuition. Or, if I were not to accept HPSP, I may go to my state school that is.. most likely 75k grand per year, and will increase over time due to budget deficit..
I thought getting the loans getting paid off and also making few hundred grands during 4 years of AD would be tremendously beneficial for me in financial terms.
Can anyone give me advice if I am thinking logically in making decision to get into HPSP?
I am currently seeking the Navy HPSP scholarship and have weighed many of the pros and cons. As explained before, if you were to do your ADO (Active Duty Obligation) and get out, it is definitely worth it as long as you can handle being away for a chunk of a while if deployed. As for me, I just got engaged and discussed it with my fiance and she knows what we're getting into for my ADO. However, I do not plan on making a career out of Navy dentistry. As much as I love those who serve and want to serve them, I also want to have a family life on my own terms. This is difficult with military life, regardless of branch, because of the constant moving and what not. I CANNOT SAY FROM EXPERIENCE, but from what I have read and heard, military medicine (dental or any other health field) is not good to make a career out of unless you specialize. Even then, it is much more financially better to opt out after your ADO with a specialization, because it pays WAY more in civilian.
I truly hope I do receive the HPSP because I will take it in a heart beat. I can honestly say I have always wanted to have some part in the military, and this will be that part of my life hopefully. But more than anything I want to have a family and live my life on my own terms, leading to private practice. Hopefully in 10 years I can come back to this and tell everyone first hand of what I think, but all in all I believe the HPSP scholarship is a tremendous opportunity to take advantage of to launch your career, especially if you want to go into private practice right afterward.
In my case, I will be 26 yrs old grad from dental school, and only 30-32 after military depending on doing AEGD 1 or 2 year. At 32 yrs old at the latest, there is still plenty of life to live and get a private practice going, with the added benefits of the AEGD experience. I can start a family near the end of my military ADO with that medically taken care of (just popping a baby out is A LOT!!!), and still not be the creepy old dad at the little league games lol. And that will mean my classmates will be paying off their debt around the same time (I hear average is ~7 yrs) and then the rest will be for themselves. Of course, I would have to build up a patient base that they may already have, but being ex-military with the added experience will help tremendously more than if I just did an associateship and then had to build my own patient pool (just my opinion, may be different for actually RUNNING an office for those of you naysayers).
ALL IN ALL, if you are planning on leaving the military after your ADO, you will ultimately end up about close to your classmates that went straight into private. The real decision is what you want to get out of the years in between graduating dental school and then? For me, I want the military experience after hearing all the great experiences from other Navy dentists and servicemen. Others may want to just private practice and then once their student loans are payed off, start their own practice and yadayadayada... The choice is yours!
I see, but I thought Navy HPSP had program where if I can get into a desired residency program right after dental school, they will count those years in residency as neutral years and I will be able to push back my ADO until I get out of residency?
Not certain, I'm sure one of the people in the know will answer this (thought it has probably already been answered somewhere).
I am planning on taking that route, going to dental school for 4 years, getting into OMS residency right after, pushing back my ADO for 4-6 years depending on the OMS program I get matched to, then serve 4 years of ADO as Navy surgeon then getting out of military to open up civilian practice.
I don't feel like it would push back my goals 4 years, because whether or not I do 4 years of ADO before OMS residency or after, the number of years that I must spend before going into civilian industry is same.
This is true if you for sure take HPSP, but not when you compare to the civ route. Here's a possible set of outcomes: HPSP->4 years ADO->4 years civ residency->civ industry (so that's 4 years as a general dentist)
CIV->4 years residency->civ industry (4 years less time). With the HPSP the above you wrote is absolutely correct (unless military residency adds years of ADO to what you already owe?). But with civ route there's a chance you'll be doing civ OMS work 4 years sooner.
I would prefer to get my residency done before going 4 years of ADO in Navy because I would like to hone my skills in surgery in Navy before opening my own practice...
Awesome idea.
Am I thinking logically? It would be very helpful to hear from a current civilian dentist who has gone through HPSP program already.
Thank you!
No. At least not according o the last stats I saw. Typically military residents are the highest paid dental residents.Hm... Come to think of it, I haven't taken into consideration that I would be making much more than 120k-150k a year as a fresh OMS than my classmates..
4 years as an OMS would probably easily pay off the educational debt.. Considering that residency positions do pay a little.. Probably around the similar amount as the military..
Am I correct?
I would totally go the route you are going, but I factor in the weariness of debt far more than the time spent in the military, so I eliminate the civ route no matter what. So the only other thing you need to confirm is whether or not military residency equates to neutral years and not added ADO.
cgurries said:Hey,
I've been reading some of your posts, and since i am pretty much in the exact same boat, i thought i would let you in on what i know.
I am applying for the AF HPSP and am also concerned about residency. I am attending UofPacific starting this summer, which is about $98,000/year tuition plus the cost of living in San Francisco. To me, this financial burden is probably worth it in that aspect. Now onto the residency.
I too wish to become an oral and maxillofacial surgeon. My ultimate goal would be to attend a 6-year residency and obtain an MD along the way since i want to focus in facial reconstruction and trauma surgery. However, the military doesn't offer this. Here are my/your options.
Option 1:
If you go the military route, you apply for a military OMFS residency at the beginning of your last year of dental school. If you get a residency, then after graduating from school, you move to where your residency is. However, you do not start your residency that year. You do not start the residency until the following year (because that is just how the military does it). So you spend one year in the military as a general dentist. This year does count toward your payback, so technically you have only 3 years now to payback. Now, you go to your residency the next year, which is 4 years long. Here's the catch. By attending their residency, you incur 4 additional years of payback that must be done. So technically you now have 7 years to payback....but wait, those years can be paid back concurrently (at the same time) with the years from dental school. So how it really breaks down is you have one year as GP out of school, 4 years in military residency, and 4 years of payback as an OMFS. So you essentially add one more year to your obligation than if you just did the 4 and got out.
The upsides to this is that you get paid substantially more during your residency than in the civilian sector since you get paid as an officer (captain, 0-3) and as a dentist (dASP). Civlian residencies typically pay about 40-50k /year, and in the military you will be getting ~80-90k/year.
Option 2:
Civilian sector. Keep in mind that this route is rare and difficult to get into and pretty much depends on total luck. For me this would be ideal, but not the most likely. How it works is again at the beginning of your senior year in dental school, you apply for the military residencies (mandatory); however, for your first choice, you mark down "civilian deferment" and the military ones after that. Now, the only way you will get that deferment is if the military (your branch) fills up all of their other OMFS residency positions first. if there are any leftover spots to fill, then you won't get the civilian deferal and you must attend theirs.
If you do get the deferment, then props and that's awesome. My ideal would be to get this and attend a 6-year residency. at this point, you essentially "take a break" from the military. you would graduate dental school, go to your 6-year residency and the military doesn't pay you and you dont have to do anything for them. Also, you do not incur any additional years of service. There is one way to get a stipend while in civilian residency (sponsored), but it is rare. Once you finish your residency, you are then assigned to your duty station for the military and serve for them for 4 years as an oral surgeon. Then you are able to get out and start private practice (while on IRR for 4 more years....you have to be in at least 8 years, so 4 active and 4 inactive reserves).
I am like you in that i think that being an oral surgeon in the military would lead to some awesome cases and great clinical experience where you may be able to do some things that you can't or would be afraid to do in the civilian sector. So for me i think that it is probably worth it. Keep in mind that you may and as an oral surgeon will 100% (since there are much fewer) get deployed while you are on active duty. This is just something to accept. For me...again, i think the experience would be worth it.
There is always the option of doing an OMFS residency after the military, but in my mind, that would kind of defeat the whole purpose of getting that good experience.
Getting an MD isn't a HUGE deal, just something that i personally would like to do. If this isn't important to you, than i would for sure do the scholarship and go the military residency route. You get paid way more, and from what i hear, the residency training is excellent (just from what i've read). Some say better than civilian, some say comparable, who knows really. And, i have also heard and read that it is easier to get a military residency since it is a much smaller pool of people. For example, i think it was the army, two years ago: 10 OMFS positions, 17 applicants. This means almost a 60% acceptance for that year. Obviously it changes from year to year, but just an idea.
That's is another thing to consider....everything is always changing and you never know what will happen, those options are all based on luck and the needs of the military at the time. Who knows, the year you apply there may be 100 applicants for 6 spots, just a gamble you need to be aware of and be willing to take.
I hope this all helps, and if you have any more questions, let me know...good luck
Chris
EdwardKim said:Thank you for your detailed response, Chris.
I had no idea that it was mandatory to attend military residencies or even to apply for it.
So if I were to become HPSP recipient and want to specialize, then I have no choice but to apply for military residency positions and only if those spots get filled up first, then I am able to go to civilian residencies?
Also, are you sure about the years of military OMS residency and how those 4 years do not get added to your 4 yrs of ADO from previous dental school contract?
I thought if I were to do military option, I had to go through 8 years of total ADO (4 from 4 yrs of dental school and 4 from 4 yrs of military residency).
This is very hard decision to make...
UoP would be pretty expensive, but is it really worth it? If you were to not take HPSP and get into civilian residency (your stats are great, I'm sure if you tried you could get into OMS residency), although you might accrue 350k or so of debt, you will get paid 50k or so during those 4-6 yrs of residency. And when you get out, as a fresh surgeon, I heard that starting salary is 200-250k. I mean.. 4 years of working as a fresh OMS graduate is already producing 800k to 1m, which should be more than enough to pay off the debt as well as the interest buildup, not to mention that you do have the 50k a yr salary from the residency positions and moonlighting that could also generate income while in residency...
Darn.. This is very hard.
What do you think about it?
Regards,
Edward
cgurries said:Hey,
to clarify, it is not mandatory that you attend a residency. It is mandatory that you apply for one though.
Where are yo now and where are you going to Dental school, what year are you?
You are correct, the military positions need to fill up first before they let you do a civilian residency.
That is true, you do accrue 8 years total; however, they let you pay back the 4 dental school years and the 4 residency years concurrently, at the same time. So you really only serve 4 active duty years and those 4 years count for both paybacks.
What you say is also true. I would probably accrue upwards of 350k to $400k in debt from school.
And yes, this would probably be paid off in a short amount of time especially if i am able to enter into a successful practice. So in all, i would probably end up in the same position either way. Debts paid off 4-5 years out of residency without military or serve 4 years and have no debt coming into the civilian sector. Same time frame for being debt-free essentially.
On the one side, i would have 4 more years of civilian life under my belt and perhaps building of clientele. However, i have faith in my abilities and in the fact that i will be able to build a strong clientele either way and that 4 years will not make that big of difference...either way i have to start from zero.
Another thing to think about is the style of living while in dental school.
in the civilian route, i will end up in the same position once my debts are paid off, but at UOP, i have to take out the maximum allowed loans in order to pay for school and the school only allows me so much (abt $1700/mo) to live off of aside from tuition, etc. So i would have to budget very well and live very menially.
If i take the scholarship, down the road i will be debt free and may be starting my civilian career a little later (age 34..not too bad), but during dental school, i will not have to suffer at all.
Not only is all of my tuition paid for, so i dont have to worry about that, but also my textbooks, health insurance, equipment, and fees. Plus i get over $2100/mo stipend to live off of for food and rent (about $1700 after taxes, which you get most back since you're a student). This seems comparable, but also keep in mind that in addition to this 2100/mo stipend, i am still eligible to take out any federally subsidized loans as well to help supplement my stipend and allow for comfortable living.
So i may leave dental school having everything paid for with about $10k in debt from just living expenses, but that is nothing and can be easily repaid in no time.
And my life would have been made much easier not having to worry about finances going through dental school, where there is plenty more to worry about...like being in the to 2% of my class so i can get a good OMFS residency.
Obviously, the military is not for everyone, so in the end yo have to weigh your options and decide what is best for you and if you think you have what it takes to live the military life. If you don't, then it probably isn't worth it.
I personally like the idea of the military even without the financial aspects, because like you said, that alone is not worth it, i would make far more in the private sector (like $350k more) than in the military. I do like the idea of getting awesome experience and working in a community setting without the hassles of finances and lawsuits, insurance, etc. and just being able to practice before entering the civilian setting.
About 7 years ago, i asked my dentist how dental school was, and all he said to me was that he loved his school and it was among the best, but dental school does not prepare you for the real world and private practice. You essentially are "thrown to the wolves" once you graduate and are expected to know what to do.
One nice thing about the military is that you aren't thrown to the wolves, you have help and are able to learn on your own knowing yo have backup. Then once you are done with the military, you are ready to take the wolves head on.
Hope it helps,
Chris
Military residencies completed at military schools (facilities) are paid back CONCURRENTLY with HPSP scholarship payback. Concurrent means at the same time.
Not all military residencies can be completed at military schools (facilities). For example there are no Navy ortho or pedo programs.
Military residencies NOT completed at military schools (facilities) are paid back CONSECUTIVELY.
Example. Joe has a four year HPSP scholarship and wants to be an oral surgeon. He applies to the Navy DUINS board during his junior year of dental school to go straight into a OMFS program after dental school. Since Joes is a bad a** and has stellar grades and class ranking they give him his choice of doing an OMFS program at one of the Navy's programs (in-service) or applying to an out-service program (a non Navy program). If Joe chooses to do a Navy program he will spend four years in residency right out of school and accrue four more years of active duty obligation. But, because he went to a Navy program, when he's done the first year out he will pay off one year of HPSP and OMFS at the same time. After serving as an OMFS for four years, he will be completely done with his payback.
However, if he chooses to do an out-service program, let's say a 6-year program, he'll have to serve 10 years as an OMFS in the Navy after he gets back from that program before he's done with his obligation.
Most programs are year for year, but not all.
The Navy's endo program, will still require you to serve three years even though the program is only two years long. But if you do the Navy's endo, at least those years can be paid back concurrently. However, because the Navy knows how sweet of a deal that is, they usually won't accept anyone into endo right out of dental school.
Prosth though is a different story. They take people straight into prosth right out of school all the time. If you want to do prosth and want to be career Navy, it's a sweet deal.
Thank you for your detailed reply. The last paragraph is very discouraging indeed... Are you saying that I would not really benefit from HPSP in financial terms compared to my classmates who went straight into private practice?
The amount of debt from dental school is probably going to be around 300k to 350k at least, and I thought that is quite hard to pay off in 4 years with saving some up..
I thought HPSP would be better financially because first of all you get 20k from sign up, then tuition is all paid for, and I probably will be able to save at least 500 per month from the stipend after paying housing and food bills... Over 4 years, that's like 100k... And then the salary of a military dentist is not too bad, as quoted at 60-70k... For 4 years, that is around 240k of money that I could save up...
So I thought, serving for 4 years would allow me to be debt free, and possibly even allow me to save up some money to open practice after I get out of ADO.
Also, I plan on specializing in OMS, and I thought military was a great place to practice and hone my skills before going into private.. Hm... I don't understand why you would say that I would be at same stage as other classmates that went straight into private practice.
Please enlighten me.
Military residencies completed at military schools (facilities) are paid back CONCURRENTLY with HPSP scholarship payback. Concurrent means at the same time.
Not all military residencies can be completed at military schools (facilities). For example there are no Navy ortho or pedo programs.
Military residencies NOT completed at military schools (facilities) are paid back CONSECUTIVELY.
Example. Joe has a four year HPSP scholarship and wants to be an oral surgeon. He applies to the Navy DUINS board during his junior year of dental school to go straight into a OMFS program after dental school. Since Joes is a bad a** and has stellar grades and class ranking they give him his choice of doing an OMFS program at one of the Navy's programs (in-service) or applying to an out-service program (a non Navy program). If Joe chooses to do a Navy program he will spend four years in residency right out of school and accrue four more years of active duty obligation. But, because he went to a Navy program, when he's done the first year out he will pay off one year of HPSP and OMFS at the same time. After serving as an OMFS for four years, he will be completely done with his payback.
However, if he chooses to do an out-service program, let's say a 6-year program, he'll have to serve 10 years as an OMFS in the Navy after he gets back from that program before he's done with his obligation.
Most programs are year for year, but not all.
The Navy's endo program, will still require you to serve three years even though the program is only two years long. But if you do the Navy's endo, at least those years can be paid back concurrently. However, because the Navy knows how sweet of a deal that is, they usually won't accept anyone into endo right out of dental school.
Prosth though is a different story. They take people straight into prosth right out of school all the time. If you want to do prosth and want to be career Navy, it's a sweet deal.
Nice. Agree with everything, accept....when all said and done, you would essentially be in closer to 9 years since you spent that 10 months as a GP before starting your residency.I want to post some clarifications about Active Duty Service Obligations (ADSO).
If you have a 4-year HPSP and owe the AF 4-years and apply and get accepted to OMS (for example). You will most likely go to the base at which you will train for approximately 10 months. During that 10 months you pay off 10 months of your HPSP ADSO. This is usually done for 2 reasons. 1. You must go to COT and since you wouldn't graduate until after the residency has started, you cannot start the same year you graduate. 2. Enough highly qualified applicants applied at a previous board that 2 years of classes were filled.
Once you start your residency, you stop paying anything back. Federal law says you cannot payback an educational ADSO (HPSP ADSO) while in education (OMS residency). However, your residency ADSO and your HPSP ADSO can be paid back concurrently. So, at the end of your program you would owe 3 years for HPSP and 4 years for OMS. Since they are paid concurrently, you would pay back the HPSP years with the first 3 years of your OMS payback and then just owe 1 more year. So to boil it down, you would spend 4 years in the AF after your OMS program for a total of 8 years.
** These numbers only count if you do a military program. If you apply through the military system and you go to a civilian program via AFIT, the ADSO is calculated differently and paid back consecutively. **
From what i have heard, you don't have to wait as long to apply for OS positions because fewer people want to spend that long in residency. It is by far the longest residency in the dental profession, especially if you choose the 6-year civilian route (although 2-3 of those years are in Med school). This applies to the civilian sector too. Ortho is one of the most popular essentially because it is so lucrative for such little time commitment.Ahh, excellent clarification. Though I don't really understand the thing about them not taking people from dental school directly into endo(and ortho from what I've heard, though that one makes the most sense), I'd have thought OMFS would've been restricted more than endo, but that's definitely not the case. (Are military dentists just not applying as much to OMFS?)
** These numbers only count if you do a military program. If you apply through the military system and you go to a civilian program via AFIT, the ADSO is calculated differently and paid back consecutively. **
Is AFIT the same thing as being "allowed to apply to a civilian residency." I've heard that if your branch anticipates needing to fill billets beyond its capacity to train (ie. the numbers it will produce from its own military programs) then it may allow some graduating HPSP and HSCP recipients to apply directly to civilian residencies. In this case, you're essentially on hiatus for four years while you complete your civilian residency, drawing no military compensation or benefits. Then, you simply owe your 3-4 years of ADSO for the original scholarship.
Do I have that right or am I way off? It would make sense that this route not add to ADSO in any way since the military isn't paying you anything during residency. They're basically trading (free of charge) the opportunity to have a general dentist serve now for having a specialist serve a few years down the road. Good deal on their end, I would think.
P.S. I've been mostly talking to Navy recruiters so this may be a case where AF and Navy differ. I know you mentioned that the AF just recently graduated its first "straight-through" specialist in another thread.
Ahh, excellent clarification. Though I don't really understand the thing about them not taking people from dental school directly into endo(and ortho from what I've heard, though that one makes the most sense), I'd have thought OMFS would've been restricted more than endo, but that's definitely not the case. (Are military dentists just not applying as much to OMFS?)
The Navy does have an Ortho Program. Actually it is a tri-service program that has Army, Navy and Air Force residents and it is located at Lackland AFB.
All services require a 3 year ADSO for a 2 year Endo or Ortho Program.
In the last year, I have worked with two Navy OMFS drop-outs. When you drop out of a Navy OMFS program, you are generally given a certificate in Exodontia. For those of you who don't know what that means, it means you're a dentist who has limited his practice of dentistry to only extractions.
One of these exodontists dropped out during his final year of a four year program. He began to tell me that they treated him very poorly as a resident, so bad that he just couldn't take it anymore. I didn't ask him to go into details because the facts speak for themselves. No one drops out of a four year program unless it's truly unbearable. A Navy investigation took place because he was the third drop out from that program in less than a year. I understand that at least one person was let go from the program while others are under probation.
The other's story was the same although he was at a different Navy OMFS program. He told me that he never had enough time to go home, bath, eat, etc. He told me that sometimes he wouldn't even change his underwear for days at a time simply because he worked all night long. The instructors chewed tobacco in the OR's and expected him to do it too. He picked up that habit just to stay awake and "fit in". On the occasions that he was able to go home, he would nearly wreck his car by falling asleep at the wheel. Additionally, he told me that there was a resident who was a closet "flamer". It was pretty obvious but the guy was really brilliant and tried not to be annoying about it. He said the instructors wouldn't allow him to graduate from the program because they didn't want him be join their "OMFS" club. Mind you, I'm paraphrasing. He said that it was a real Good 'ol boys club and that if you weren't like them, you would not be allowed to graduate. That's one of the reasons he picked up dipping.
The bottom line is that these OMFS programs, like outside OMFS programs, are very demanding and there a lot of games that are played. Keep in mind this is third person, I didn't do an OMFS program. I may not have my facts straight, but this is the impression that they gave me.
You couldn't pay me a million dollars a year to do an OMFS program.
Thank you so much for all the insights! Wow, this has been really helpful..
The biggest question here is... Will taking HPSP scholarship be financially beneficial if I were to pursue OMFS as my final career goal? Assuming that my educational debt would be around 280-300k.
Another thing is, how hard is it to get into military OMS residency straight out of dental school, and is it possible? Of course there has to be that 1 year of military general dentistry involved, but how likely is it that I could get in right after doing that 1 year?
Also, what if I were to apply to civilian OMS residency and military OMS residency (because it is mandatory) right after dental school, and check the "civilian deferrment" box, how does it exactly work?
Would I still be going to civilian residency interviews just like my other classmates who are pursuing OMS? The 1 year of being a military general dentist is due to the wait time of getting a spot in military OMS residency, right? Does that mean you could defer to civilian residency if you can match to civilian residency?
It would be extremely helpful if one could provide a timeline of what could potentially happen in the residency application process.
3 years of dental school -> applications to civ OMS residency during 3rd yr dental school as well as military OMS residency application -> graduate -> don't do the 1 yr military general dentistry if got accepted to civ OMS residency -> if you didn't get accepted to civ OMS residency, then go on 1 yr general military dentistry -> 4 yr military OMS residency -> 5 yrs of payback for HPSP and residency.
Sorry if I caused any confusions.
Again, thank you so much for all your contributions! I am learning a lot.
Thank you very much.
But I thought dental students, if they want to go to civilian residency, start applying to residencies during their 3rd year? Or are you required to wait until 4th year to apply to civilian residency as well?
Also, I am not considering HPSP just for the financial aspect.. I have repeated that statement multiple times now.
I do want to experience the military, but if it is financially DAMAGING, then I would rather not suffer financially and get arguably harder lifestyle as a military dentist.
Now, for the financial aspect, I've been trying to calculate the balances on each side.. But since I don't know the exact data on compensations, it has been hard.
Here is what I am coming up with:
Normal route
300k educational debt. Starting oral surgeon makes around 180-200k out of residency. Taxed 30%~ (right?) net income 133k. Live like a student for 3 years (meaning 10-15k expenditure per year, especially maybe work in a rural area where it is cheaper to live and pay is higher). Easily paid up the 300k educational debt, even with the accrued interest. On top of that, while in civilian residency (most likely a 6 year program because I prefer the 6 year program), your salary as an intern is 40-50k a year, increasing per year as you get promoted as Resident I-> II -> III -> etc. roughly, let's estimate low and say that salary is 40k per year. 30%~ tax. 28k net income. 28*6 = 168k net. Of course, living cost must get counted, so -68k or so, so ~100k net income from residency, but I think you have to pay 2 years of med school, like 40k per year, so only 20k net profit. Still, it is profit... Also, compared to military's 9 year total program (1 yr general + 4 yr residency + 4 yr military OS), you have extra 3 years of working as a civilian oral surgeon.
Conclusion: 3 years as a fresh OS would let you be free of debt with more freedom and no worries about random relocation or deployment. Total time: 4 dental + 6 residency + 3 loan payback = ~13 yrs. or ~11 yrs if I choose to do 4 yr residency.
HPSP route- military residency
No educational debt. 20k from sign up. Apply to military residency. If got in, then 60k for the first year as a general dentist. 4 years of residency (how much do residents get paid per year?). After, 5 years of AD as military oral surgeon (again, how much is the pay?) While in dental school, 2060 dollars/mo for stipend. I will live frugally (through my undergraduate years, I lived off 40-50 dollars food bill per month and rent was only 450, in LA), and because 2060 dollars get taxed and comes down to like 1700, let's be generous and say I can save 1k per month (now, how many months would be awarded?). Add in the annual training income as military personnel (again, I have no idea how much this is... Please help me.)
Conclusion :xxx amount of net financial benefit (I would like some figures to complete my conclusion) Total time: 4 yr dental + 1 yr gen mil dent + 4 mil res. + 4 mil OS = ~13 yrs with net save up.. To be calculated..
HPSP route - civilian residency
No educational debt. 20k from sign up. Applied to military residency with civilian deferment, and was able to match into civilian residency instead. Get paid as resident, but as calculated above in my Normal Route, net profit will be around 20k. Now serve 4 years as military oral surgeon (not sure about the salary..)
Conclusion: The worst route financially. Total time: 4 yr dental school + 6 yr civilian residency (here, you don't have to do 1 yr of general dentistry in military, correct?) + 4 year of AD = ~14 years. Not sure about net save-up, either.
Please help me figure out the unknown figures, if you can.
Thank you very much, and please point out my mistake if you find any.
I really appreciate all this help from more experienced professionals!
Here's an example. Your last year, you apply for the military residency. A little later, you apply for civilian residency. While you are waiting to hear back from the military residency, you go to all of your interviews for civilian residency (December-ish). Once you hear back from the military (which is before the civilian), you do what they say. If they have matched you in a military residency, you have to withdraw from all civilian residencies and accept the military one. You do that year of GP because your last year of school usually overlaps with when the residency for that year starts. In the military you are essentially applying for next year's residency, unless someone drops out last minute of this years...
If you hear back from the military saying you may pursue a civilian deferment, than you continue your civilian applications and hope to match there.
bottom line is that the military residency comes first...not the other way around.
It probably isn't worth it if you really want to do a civilian residency and would be disappointed about doing a military one. There is a lot of uncertainty and you will probably make yourself miserable constantly trying to make everything work out just so. People pay off loans all the time. Most dentists and OMFSs go the civilian route and do just fine. It is only financially worth it if the other aspects are worth it to you, not the finances alone. Yo have to want to be in the military for more than just the money , or else you will be disappointed.
Hmm. So in the end, it would actually be beneficial in financial aspect to go with the HPSP.
I think I probably will commit myself to it. Especially also because military residencies are considered to be a little bit "easier" to get in compared to civilian residency..
I wish there was a military OMS residency candidate here so we could ask questions..
I wonder if military will actually allow us to transition right into OMS residency after just 1 year of working as military general dentist.. It would not be good deal for them when they could just keep us hanging for 3-4 years as military gen dentist then let us go into their residency to re-use us for next 4 years...
What is the policy if you get rejected from military residency but get accepted to civilian residency, and you preferred to defer fro military residency if possible?
Thank you!
Same for the AF.In the Army you can not apply for civilian residencies unless you get prior approval from Army Graduate Dental Education (this typically does not happen so don't count on it.).
You have it right. I addressed this in my earlier post to EdwardKim. For the AF, if all military residencies are filled, they may let you apply to civilian residencies. In this case, like you said, you are on a "hiatus" from the military until you finish your residency (no pay, no responsibilities, etc.). When you are done, you would owe your original ADO as a specialist (in which case you will get better pay).
Keep in mind, however, that it all depends on their needs the year you apply for residency, you may or may not be allowed to apply for civilian, and from what i hear, it is more likely that they will not let you.
These are great comments, I really appreciate it.
There are few questions that are still lingering at the back of my mind, and even my recruiter could not answer these questions with clarity..
non-HPSP recipent dental students apply to residency during their 3rd year, and start going to interviews during their 4th year, and without taking a year off after graduation from dental school, they start their residency the year they graduate, correct?
Will HPSP dental student be able to apply to civilian residency along with his classmates if he asks for permission to Navy Graduate Dental Education officer in advance for deferment, so he can enter civilian residency right after dental school without taking a year off?
Or is it mandatory that he waits until he graduates then serve 1 year as a Navy dentist then apply to Navy OMS program as well as civilian programs with civilian deferment option?
Also, how likely is it that a 1st year Navy dentist applying for Navy OMS program to be admitted into the program with a stat that is competitive for civilian residencies (90+ boards, top 10% in class, research publications, leadership activities, strong letters)? If you are able to concurrently apply to both Navy program as well as civilian program with civilian deferment option, and you were not accepted to Navy program for some reason but accepted to civilian programs, then would you be able to go to civilian residency?
Sorry, the whole process is just so confusing to me... I don't have any contact in Navy Graduate Dental Education department to ask questions..
Thank you once again.
I just like to know thoroughly of my life plan, so I've been asking these questions.
Best advice I ever received was "don't make plans, they always change." I'm not saying that one shouldn't have goals or seek to fulfill desires, I've just noticed that life brings very unpredictable events and scenarios. Things you never thought you'd enjoy might become enjoyable; likewise, things you thought you'd enjoy might turn out to be horrible. You just never know. Maybe I'm just a different personality type. Forget all this financial talk...if you know in your heart that you want to serve then do it. It is totally normal to have reservations but if military life is what you desire then take the plunge. If it's something you are doing just for the money or to become an OMFS then my opinion is that maybe it's not for you. I see pictures of dentists in full combat dress with an M16 next to Afghan village children and it excites me, that's how I know I made the right decision. Not saying you should have the same feelings but if military life is what you want, then take that scholarship and don't look back.
Don't mean to change the subject, but it seems my question is related.
I too am SERIOUSLY considering OMFS through Navy. I will find out by end of February if I am awarded the HPSP for Navy, so I'm crossing my fingers.
Anyways, I was wondering, how long would the military commitment be if doing the HPSP program? Along the lines of that, how competitive is it to get into OMFS? I know that it is relative to the military needs, but since I hear it is difficult to get in right after graduating (knowing I have to wait a year to actually go to residency), I figure it might be 2 years before being accepted to the program? If I'm doing the math correctly, that means I would do 2 years of HPSP payback right out of D school, then go into residency for 4 years, then serve 4 years of ADO (2 years concurrent HPSP and 2 more years for OMFS).
I'm in the same boat as EdwardKim, so I feel we are seeking a lot of the same answers. Also, if I were not to get accepted after D school, should I do the AEGD program? Like to boost Resume for competitiveness for OMFS? Or would I be able to get in after a year of service doing General Dent? I know it's probably difficult to answer these questions with certainty, but anyone who has any idea, it would be GREATLY appreciated!
Yes, we are on the exact same boat! Another question to add to this: is it possible to apply to multiple military programs in one year? For example, both AEGD and OMS program? Also, if I were to be selected in the program, but I Have a change of mind, may I withdraw my application for more deserving applicant to take my place?
Don't mean to change the subject, but it seems my question is related.
I too am SERIOUSLY considering OMFS through Navy. I will find out by end of February if I am awarded the HPSP for Navy, so I'm crossing my fingers.
Anyways, I was wondering, how long would the military commitment be if doing the HPSP program? Along the lines of that, how competitive is it to get into OMFS? I know that it is relative to the military needs, but since I hear it is difficult to get in right after graduating (knowing I have to wait a year to actually go to residency), I figure it might be 2 years before being accepted to the program? If I'm doing the math correctly, that means I would do 2 years of HPSP payback right out of D school, then go into residency for 4 years, then serve 4 years of ADO (2 years concurrent HPSP and 2 more years for OMFS).
I'm in the same boat as EdwardKim, so I feel we are seeking a lot of the same answers. Also, if I were not to get accepted after D school, should I do the AEGD program? Like to boost Resume for competitiveness for OMFS? Or would I be able to get in after a year of service doing General Dent? I know it's probably difficult to answer these questions with certainty, but anyone who has any idea, it would be GREATLY appreciated!
Yes you can apply for 2 programs and you will list them as first choice and 2nd choice. You may back out of a program all the way up until the start date and not incur any additional obligation.
For OMFS FY2011, there were 13 applicants and 6 were taken into the program. Not sure how many were straight out of school though... Some years have higher %, just depends on the needs for that specific year.
Well that's a relief, then I could apply for both OMS and AEGD for my current plan. Along the lines of that (and I'm sure EdwardKim would like to know), if you do the 1-year AEGD out of D school, what are your chances of getting into OMS after that? It seems like this is the typical route advised by many on these forums since it's kind of rare to be accepted into OMS straight out of D school. Now that I think about it, if you did the 1-year AEGD program, wouldn't you be applying for the same year of OMS residency as straight out of D school? Because I thought you had to wait ~1 year even if you got in right away because it starts earlier than D school ends typically. If this is true and I didn't get into OMS straight out, decided to do a 1-year AEGD, would it then be 2 years before I got into OMS at the soonest because I would need to apply for the year after the first available year out of D school (like 1 year after the chance of getting accepted to OMS straight out of D school)? Sorry if that's confusing
That seems fairly reasonable as I have seen that the acceptance rate to be somewhere between 50~60%. Just wondering, where are you getting these stats from? I have tried to obtain military dental stats and cannot find them (like maybe it has HPSP stats apps/accepts too?). Another poster had all the apps/accepts for ALL specialties for I think 2008. Just wondering if it's inside info or available to public?
Well that's a relief, then I could apply for both OMS and AEGD for my current plan. Along the lines of that (and I'm sure EdwardKim would like to know), if you do the 1-year AEGD out of D school, what are your chances of getting into OMS after that? It seems like this is the typical route advised by many on these forums since it's kind of rare to be accepted into OMS straight out of D school. Now that I think about it, if you did the 1-year AEGD program, wouldn't you be applying for the same year of OMS residency as straight out of D school? Because I thought you had to wait ~1 year even if you got in right away because it starts earlier than D school ends typically. If this is true and I didn't get into OMS straight out, decided to do a 1-year AEGD, would it then be 2 years before I got into OMS at the soonest because I would need to apply for the year after the first available year out of D school (like 1 year after the chance of getting accepted to OMS straight out of D school)? Sorry if that's confusing
That seems fairly reasonable as I have seen that the acceptance rate to be somewhere between 50~60%. Just wondering, where are you getting these stats from? I have tried to obtain military dental stats and cannot find them (like maybe it has HPSP stats apps/accepts too?). Another poster had all the apps/accepts for ALL specialties for I think 2008. Just wondering if it's inside info or available to public?
CAPT Hartzell. He presented at our school last week. It was also 67% for Pros, 50% Perio, 28% for endo, and 11% for ortho. I don't have written down what the applicant/resident ratios were, but chances are decent for getting in. OMFS and Pros are the greatest needs of the Navy, so they are pretty much the only specialties that are accepting students right out of school.
Remember that the stats will change from year to year, so take them with a grain of salt. The needs of the Navy may change by the time you graduate. However, pros and OMFS tend to stay around the same...
I'm speaking only for Army. I have posted the stats each year including this one - and you can search the threads to find them. You can not accept both AEGD and OMFS. The start dates are different. AEGD starts the end of summer when everyone is done with OBLC, so you don't finish until end of summer the following year. OMFS and all other specialties start on 1 July - so you can not walk straight from a 12 month AEGD into a specialty.
All applicants have their application packet. Anything you do that distinguished you from someone else helps. By that train of though a 12 month AEGD will distinguish you from others, and therefore is looked at favorably.
Yes you can apply for 2 programs and you will list them as first choice and 2nd choice. You may back out of a program all the way up until the start date and not incur any additional obligation.
this is only true if you are not applying to OMFS.
if you apply to OMFS, you cannot apply to another residency (except for the 1-year AEGD.)