Forbes -- When Ted Epperly entered medical school in 1976 he did so with a scholarship from the U.S. Army. In return he committed to serving for four years in the Army after graduating from the University of Washington. It meant he wouldn't have the crippling student loans that burden many new doctors, so he was free to follow his dream of becoming a family practitioner instead of a cardiologist, the more lucrative specialty he was also considering.