Good afternoon all, I am currently about to sign my contract for AROTC going into my 2nd semester of my ms3 year. Presently, I was informed I will be receiving backpay from last spring for a medical waiver as well. I was informed that if I take the scholarship, I will owe 4 years before my GI Bill time will begin to accumulate. Whereas, if I do not take the scholarship my GI Bill would begin accumulating after I start my service time. I have another scholarship that is already paying for room and board and tuition for my 4 years of college, so any money I am receiving from the ROTC scholarship would go into a savings account. Another thing I am considering is that I plan on attaining a masters degree in nursing in the future. At this point I am not 100% sure if I will be pursuing this through the army or through a public school. As a result, if I wanted to pursue this graduate degree through a public school I would be able to utilize my GI Bill. However, I could also apply for the graduate program through the Army after 2 years of initial service as a nurse as well. Therefore with these pending decisions in mind, which choice would financially make more sense for me to make at this time? Would the GI bill, after 4 years of service cover a graduate level degree 100% of the cost? Thank you for your time and assistance in advance.