I can only speak for myself, but I joined the ANC active duty for a couple of reasons. I am prior service enlisted, so I always rather wanted to go back in and get my retirement time in. Only need 10 yrs or so to get there, and at my age, that is hugely valuable. Also, after dorking around with my BSN for the last 8 yrs or so, I have a large student loan burden. The ANC will pay all of my student loans off within 3 yrs and I can work towards my retirement. To me, that is a win win situation. Personally, I would rather cut off my right arm than have to give the govt 80k or so. I also recently went through a divorce, and my son will be leaving the house in 2 yrs, so for me, I look at it as a new start or chapter to my career and maybe, this time 'round, I can have some fun in the process!
Can't imagine what that must feel like. Plus, there's always the bonus of serving my country and I have always been proud to do so in the past. My son thinks I'm some kind of heroine, but really, I just try to be a good role model. I loved my prior service.
Anyway, hope this helped!