I was misinformed. If you were an incoming student for a doctor, a dentist or some other health profession program, you would receive benefits of full tuition. However, the nurse program is a sign up bonus of $10,000 and $1,000 monthly stipend for 24 months with a commitment of 5 years active duty. The recruiter also did not like it when I said the incentive was not what I was told. He said if you were signing for the money, it would be the wrong reason to join. Which may be true, but there are other loan forgiveness programs that are more with less time commitment, so no Navy for me. Thank you all for your thoughtful comments.