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So...she payed back 2 and still owes 3 more...bottom line. Then she has 5 years of inactive reserve. And all this for 3 years of medical school "perks." To me, it wouldn't be worth it...
I will owe, 3 yrs active duty time after residency and 5 years inactive reserve status. A total of 8 yrs. Had I did a 4 yr scholarship it would be 4 active and 4 inactive. Yes, intership and residency doesn't count. The time I put in as a GMO (general medical officer) counts towards payback for medical school. But since I did a residency that time takes presedence over medical school so I still owe 3 yrs (3 yrs of residency) even though I payed 2 yrs back of my medical school time as a GMO. I could have did 3 yrs GMO got out and did civilian residency, but they ususally want you to repeat internship even though you are practicing for at least 3 yrs as a general practioner. Plus I'm known in hte Navy world, not in the civilian world so getting my pick was more of a guarentee.