jaceguy,
I said it earlier, many SA candidates will get not only an NROTC scholarship. but merit too from the university, in essence free or very low debt....not 160K owed.
Again just like the misinformation for reapplying as a USMA COW and 80% of AFA rated slots went RPA, you need to look deeper.
Than again we don't know your stats or college list for NROTC,
OBTW 5 yrs in any branch that is not my 1st choice to serve in would def. make me think long and hard even if it meant taking on debt.
~~~24/7 for 5 yrs is your life when you commission.
~ You could be posted at the worst station they have to offer.