CSB/REDUX Army Retirement advice?

Does it makes sense to take the army's $30,000 at 15 year CSB and REDUX bonus ($30,000) to pay off unsecured debt at let's say 15-18% interest over the same time/life span (20-25 years)? Some experts say soldiers lose between 11-13 times the value of the bonus paying it back over a lifetime in retirment payments; but don't you lose almost the same amount paying a creditor, if you had the same amount of debt and paid it off in the same amount of time?