Key points

• $2,999 monthly while you study.
• Commissioned Army Reserve officer.
• Open to accepted medical and dental students.

What you get

• A monthly stipend that helps cover living costs in school.
• No deployments during school, so you focus on coursework and exams.
• Full access to civilian Match Day and residency training at civilian programs.

How it works

• For every six months you receive the stipend, you owe one year in the Army Reserve.
• Your service starts after residency, not during school.
• You train in civilian institutions through the National Resident Matching Program.

Why it matters

• Medical and dental school can cost an average of $70,000 per year, especially at private schools.
• MDSSP eases the financial load while you build skills and leadership as an officer.

Who qualifies

• Students accepted to accredited MD, DO, DDS, or DMD programs.
• Contact SFC Perez for timelines and documents.

Key points

• $45,000 paid each program year.
• Monthly stipend $2,999 while you train.
• Keep your civilian residency.
• Serve as an Active Duty Army physician after training.
• Open to residents.

Who qualifies

• Residents who have completed PGY1 and passed all USMLE or COMLEX steps on their first attempt.
• Case-by-case PGY1 eligibility per OTSG guidance.
• Specialty must be in an eligible AOC.

How the obligation works

• Two years of active duty for the first year of FAP.
• Add six months for each additional six months of support.
• Minimum obligation, two years.
• Service begins after residency or fellowship.

How does the money fit your training

• You keep your residency salary.
• You also receive the Army stipend and the annual grant.
• Use funds to offset living costs, exams, and training expenses.

Why FAP

• Reduce financial pressure during residency.
• Train where you matched—no disruption to your program.
• Build leadership and serve in your specialty after graduation.

Next steps

• Confirm your specialty is eligible.
• Gather scores, CV, and training verification.
• Contact SFC Perez for timelines and documents.

Key points

• Monthly stipend $2,999 while you train.
• Commissioned as an Army Reserve officer.
• Keep your civilian residency and salary.
• Open to residents.

How it works

• One year of Army Reserve service for each six months of stipend, or a portion thereof.
• Obligation begins after residency.
• Serve in a Troop Program Unit (TPU), Army Medical Department Professional Management Command (APMC), or as an Individual Mobilization Augmentee (IMA).

Who qualifies

• Accepted to or enrolled in an accredited medical residency.
• The specialty must be eligible as per the current Selected Reserve Incentive Program (SRIP) memo.

Why STRAP

• Reduce financial pressure during residency.
• Advance your skills while preparing to serve.
• Develop leadership skills and maintain civilian practice after completing training.

Next steps

• Confirm your specialty is on the SRIP list.
• Gather acceptance and training verification, CV, and scores if requested.
• Contact SFC Perez for timelines and documents.

Key points

• Up to $40,000 per year for three years.
• Up to $120,000 in total.
• Payments applied to qualifying educational loans.
• Select AOCs only.

Who qualifies

• Licensed health professionals in approved AOCs.
• Willing to serve on active duty.

How it works

• One year of active duty for each year of repayment.
• Minimum obligation is two years.
• The maximum benefit is three years, with a total of up to $120,000.

Why it helps

• Cut your loan balance fast.
• Serve in your specialty on an Army team.
• Build experience that advances your career.

Next steps

• Confirm your AOC is eligible.
• Gather loan statements and license proof.
• Contact SFC Perez for timelines and documents.

Key points

• Up to $40,000 paid to your qualifying loans each year.
• Lifetime cap up to $250,000.
• Serve in a TPU, APMC, or IMA position.
• Select AOCs only.

How it works

• Complete a satisfactory service year, and receive up to $40,000.
• One year of Selected Reserve obligation for each year paid.
• Payments apply only to qualifying education loans.

Who qualifies

• Physicians in approved AOCs.
• Must hold or secure a Reserve billet in TPU, APMC, or IMA.
• Meet medical, licensure, and commissioning requirements.

Why it helps

• Cut your debt while you practice.
• Maintain your civilian career and consider adding service.
• Build leadership and military experience.

Combine with other incentives.

• May be paired with STRAP if authorized for your AOC and unit.
• Obligations stack per current policy.

Next steps

• Confirm your AOC is eligible in the current policy memo.
• Choose TPU, APMC, or IMA based on your schedule.
• Gather loan documents and licensure proof.
• Contact SFC Perez for timelines and documents.