Dear ,  
 
This is in reference to your application for correction of your naval record pursuant to Title 10, United States Code, Section 1552.  After careful and conscientious consideration of relevant portions of your naval record and your application, the Board for Correction of Naval Records (Board) found the evidence submitted was insufficient to establish the existence of probable material error or injustice.  Consequently, your application has been denied. 
 
A three-member panel of the Board, sitting in executive session, considered your application on 3 November 2020.  The names and votes of the members of the panel will be furnished upon request.  Your allegations of error and injustice were reviewed in accordance with administrative regulations and procedures applicable to the proceedings of this Board.  Documentary material considered by the Board consisted of your application, together with all material submitted in support thereof, relevant portions of your naval record and applicable statutes, regulations and policies.  In addition, the Board considered the advisory opinion contained in Bureau of Medicine and Surgery (BUMED) letter 5400 DCTF/20UDCTF0010 of 17 March 2020 and your response to the opinion.   
 
You requested relief in the adjustment of incurred debt from the Health Professions Scholarship Program (HPSP).  The Board, in its review of your entire record and application, carefully weighed all potentially mitigating factors, to include your assertions.  The Board concluded that in accordance with Chief of Naval Operations Instruction 1520.39, a member or former member will repay to the Government an amount equal to the unearned portion of the benefit received after the member fails to satisfy the agreed upon requirements.  A review of your record indicates you signed the Armed Forces Health Professionals Scholarship Program Service Agreement on 21 June 2007 acknowledging your active duty service obligation (ADSO) upon completing your education.  Your 4-year ADSO began on 22 May 2011; however, you were discharged on 27 November 2013, thereby incurring a debt for not completing your ADSO.  In this connection, the Board substantially concurred with the comments contained in the advisory opinion. 
 
Conversely, upon BUMED reviewing your record, the total recoupable funds were recalculated, and an amendment was sent to the Defense Finance and Accounting Service, updating your total recoupable expenses, minus ADSO served, as $111,713.14.  
 
Regarding your request for a personal appearance, the Board determined that a personal appearance with or without counsel will not materially add to their understanding of the issue involved.  Therefore, the Board determined that a personal appearance was not necessary and considered your case based on the evidence of record. 
 
It is regretted that the circumstances of your case are such that favorable action cannot be taken.  You are entitled to have the Board reconsider its decision upon submission of new matters, which will require you to complete and submit a new DD Form 149.  New matters are those not previously presented to or considered by the Board.  In this regard, it is important to keep in mind that a presumption of regularity attaches to all official records.  Consequently, when applying for a correction of an official naval record, the burden is on the applicant to demonstrate the existence of probable material error or injustice.   
 
   Sincerely,