The prevading logic seems to be that the AEGD programs really help with speed and confidence. Most students don't like them because that 1yr or 2yrs in some cases doesn't count towards payback time, and thus would extend active service payback overall.
The thing is that I hate dealing with loans in dental school now, and there is no way in hell that I am going to deal with this in years 3 and 4. It is just a waste of time.
I'd rather get experience on the government's dime than my own. I know a few people who have graduated, and it takes a while to gather speed. Civilian AEGD programs don't pay as much salary, and I just think of all the money I could be saving.
Really Guys, from the moment you start working, it is all about retirement.