Figure 1.

The results of a 30-year net present value analysis of different pathways for financing a medical school education starting in 2013, then practicing orthopedic surgery in San Antonio, Texas (Panel A) and in Washington, DC (Panel B). Abbreviations: FGLs, federally guaranteed loans, including pay-as-you-earn repayment (PAYEr) starting in residency and income-based repayment (IBRr) starting in residency; HPSP, Health Professions Scholarship Program, including transitioning to the private sector immediately after the 4-year service obligation (HPSP_im), transitioning to the private sector after 20+ years of military service (HPSP₂₀), remaining in the military until the end of the 30-year analysis (HPSP₃₀); USU, Uniformed Services University of the Health Sciences, including transitioning to the private sector immediately after the 7-year service obligation (USU_im), transitioning to the private sector after 20+ years of military service (USU₂₀), remaining in the military until the end of the 30-year analysis (USU₃₀); and SELF, self-financing the degree or obtaining a full institutional scholarship. Numerical values for these pathways are listed in Table 2.