SlickF16, I recently passed 20 years and don't fit into the VSP or TERA. Need to submit a Memo for Record when applying for voluntary retirement enabling release from the pilot bonus. States that you need to make a case why its in the best interest of the Air Force to waive the ADSC...let me see:

1. Will not take $50K+ in future bonus payments.
2. Will save Air Force 2.5% a year x 2 in retirement payout.
3. Will most likely will be without an airplane to fly in the near future.
4. According to the matrix, in a pilot AFSC with an overage.
5. Will save the Air Force money on retraining and PCS.

...makes sense to me but am sure I'll be digging up the "how to get hired being non-current" threads in 2016!