Thanks for your reply SMK1! Your advice was helpful. I didn't even consider comparing taking out loans to the extra money I would make from working an extra 6 months. I don't have much time left because I have to reply to both schools this week. The consequences of not fulfilling my contract with providence would be paying them back the money they used to pay for my tuition. And as for choosing my specialty, it would be limited because they need people to be in med-surg. It sounds like you're in quite a predicament yourself because of your husband's business. Personally, I think it would be difficult to take the providence scholarship if you have a family because of the risk of having to move. I heard one woman's husband quit his job and moved with her and the kids to buy a house in the city she was assigned to work for Providence because of the scholarship. That's just one story...I'm sure there are plenty of people who were placed where they wanted to go and that's great. You should definitely apply to ohsu, it couldn't hurt right? What schools have you applied to? I know there is no parking...I plan on taking the bus or max ( I think ohsu students get a free pass). Once again, thanks for the advice...it helped!