Is is possible to use the ROTC scholarship to pay for undergraduate and then receive a HPSP scholarship or enroll at USUHS. Another option is to use ROTC to pay for undergraduate and then pay medical school costs out of pocket. The risks of ROTC are that an educational delay is required for medical school and that if you don't get into medical school on your first attempt you will be on active duty. The other possible drawback for funding college and medical school through ROTC, HPSP and USUHS is consecutive payback.

The main implication of taking 2 scholarships is the payback is consecutive. If one took both the ROTC and HPSP scholarships they would have an 8 year payback after internship or residency. For ROTC and USUHS it would be an 11 year payback.

Since the medical student would be in IRR while in medical school, the 4 years count towards pay. Starting internship you would be an O3 with 4 on the pay scale instead of an O3 with zero.

An interesting scenario occurs when the cost of college greatly outweighs the cost of medical school. For example, if someone went to an ivy league college and then an inexpensive state medical school. In this scenario it might be beneficial to use ROTC but not HPSP or USUHS. Risks are the military could recall you to active duty during medical school and it might be more difficult to set up away elective rotations at a military hospital as a non-HPSP/non-USUHS medical student. Elective rotations are viewed as an important part of the military matching process.