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So I understand that schools set the estimated cost of attendance, subtract estimated family contribution and scholarship money from other sources, and what's left is what you can borrow from Uncle Sam. Since HPSP pays tuition, fees, etc., obviously what you can borrow comes way down. My question specifically is concerning the living stipend. Does the stipend count as a scholarship or salary? If it's a scholarship then this would count against the amount you can borrow, but if salary it could raise your expected contribution but wouldn't be directly subtracted from the estimated cost of attendance. Anyone know? I've got kids and a wife. I really want them to be able to eat while I'm in medical school. Just looking at different options, two of which are HPSP and the ASR Student Recruiters in the Guard. Just trying to see if I'd be able to take more loan money if I were HPSP. Thanks!