Any military physicians willing to discuss their financials?

Incoming med student here. I'm looking at appox. $400k in loans (incl. interest @ 9%) by the time I finish residency. Since I'm mainly interested in primary care, that number scares the shit out of me. I looked at the HPSP scholarship, but it seems like a bad deal according to WCI. Assuming I complete a civilian residency in either FM or OBGYN, how smart of a choice would it be to join either the Public Health Service (follows mil. pay structure) or the Air Force? How competitive are military salaries + benefits when compared to civilian salaries for FM or OBGYN? What does saving for retirement look like for military physicians? I'm not looking for anything super crazy; I just want to be debt free within 5 years of graduating residency.