Thanks for the supportive comments, and the suggestions.
Max student loans are $5,500 for a freshman, while in-state tuition here is $8-$10K. Add fees, room & board, books, etc. and you're looking at $20K / year - and there's no chance we'll be able to cover the extra $15K (long story short, the economy's really cratered our finances). But, no whining, I made my bed, I'll lie in it. And we'll pay back the $60K in credit cards we ran up surviving the unemployment line if it takes 5 years of PBJ sandwiches (and working at a job I hate).
I just wish that the money that I'll have to pay on credit cards could go to pay for my son's college instead over this next 5 years.
This was all worth the ride, and we might even see about trying all this again next year. The goal of ROTC is worth it - get an education, AND serve your country, now what could be a better thing to aspire to?
Best wishes for successful outcomes to ALL!