I think many don't think of the repayment under the bad scenario situation. Our DS did because his Dad saw too many UPT students cut, and given their walking papers. We just wanted him to not have that burden on his mind at UPT. That plus he was able to get his car loan at 0% int., no fear that it would jump to 19%+. He only took 10K; 5k into an IRA and 5K into a money market savings account. This way even if the bad happened, he could consolidate everything and pay it back without taking too much of a hit...i.e just the IRA if he had to at the worst. I wouldn't want to even think about if they hit him with a 6 figure bill. Combine those 2, and if he has to take a loan to complete his degree, he could be looking at 2000-2500 a month before he walks out the door. Of course not one of those would be cleared even if he declared bankruptcy. Like the starter loan, I don't think many cadets think about the fine print on their AFA or AFROTC scholarship contract either. That is why IMPO, this thread is invaluable to every candidate and cadet. It is not anecdotal, where they heard from someone that they know someone that was told they had to re-pay it. These are actual posters saying yes, we got the bill.