While I cannot speak to the money you would make on Active Duty, I know a lot of AD physicians and Nurse Practitioners joined through the HPSP. The HPSP pays for 100% of your education, and gives you a monthly stipend while you are in graduate school. You are on AD for 45 days per year, and get paid at an 01 for those days. Its a great way to have no debt for your schooling, and then you are guaranteed the experience you will get paying back that education by serving AD, which is one-for-one. Meaning, if they pay for 3 years of school, you own them three years of AD. Getting your advanced degree with zero debt might be something to consider when determining if it is worth it financially. Good luck!