HPSP Value Calculator
Army Health Professions Scholarship · Medical Corps (MD/DO) · Cost comparison
Tuition status
Scholarship length
Sign-on bonus
Four years of medical school
Without HPSP$0estimated debt at graduation
With HPSP$0estimated debt at graduation
HPSP pays 100% of tuition and required fees. Any debt shown with HPSP comes from living costs (housing, food, transportation, books, insurance) that are higher than the stipend and training pay, mostly at schools in high-cost cities.
Estimates for a planning conversation. School costs are the school's published budget; debt adds simple interest from mid-year disbursement to graduation. Federal loans first, private loans for the rest.
In at least one year the stipend is more than the school's budgeted living costs. The extra isn't counted toward other years.
Walk through your numbers with a recruiterBook 30 minutes, in person or on Teams, with an Army Health Care Recruiter in Washington, DC. HPSP is a competitive, board-selected scholarship, and it carries an active duty service obligation.
Book a time
Official school budget
Borrowing by year
| Year | Cost of attendance | Tuition & fees paid by Army | Stipend + training pay | Loan fees not needed | Borrow with HPSP | Borrow without HPSP |
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Figures used
Edit if a rate changes. Each links to its official source.
$3,113.00 effective July 1, 2026 (DFAS pay table; matches the June 30, 2026 stipend memo). Adjusts every July 1.
12 months minus the 45 days of annual training, when training pay replaces the stipend.
45 days at O-1 basic pay: $4,150.20 × 1.5 months (2026 table). Allowances not counted.
Up to $20,000 for medical (goarmy.com). Taxable.
Professional students, new borrowers from July 1, 2026.
Aggregate professional limit. Grad PLUS ended for new borrowers.
Graduate/professional Direct Unsubsidized, 2026-27.
Your estimate. Private rates vary by lender and credit; no official source.
The commitment
- Residency (GME) time does not count toward the scholarship obligation. Military residency adds its own obligation, generally served at the same time. Confirm your total with your recruiter.
- Total military service obligation is 8 years; time not on active duty is served in the Individual Ready Reserve.
- Specialty, residency selection and assignment are competitive and not guaranteed.
- Stipend and bonus are taxable. Qualified tuition and required fees generally are not. Ask a tax professional.
- HPSP also reimburses required books and equipment. That benefit isn't counted here, so the real value is a little higher.