Thanks for the information and advice. From previous graduates of my school with similar majors and numbers of hours, schools will accept all of the credits (state schools in particular have to as long as they are Cs or better-I consider Cs disgraceful anyway--and come from an accredited school, which Navarro college is), though only some go toward degrees. Every admissions councilor I have talked to says that I can choose whether to apply as a Freshman or Transfer student and keep all my credits, but suggest Freshman. The effect for some students is being a Freshman for their first semester but a sophomore or junior the next.
I essentially have all the core curriculum covered, plus electives. This leaves only major-specific classes and the math/science classes (most prestigious engineering schools like their students to take things like Calculus with them even if the students already have outside credits earned). I'm not really concerned about managing a Bachelor's or two in 4 years; I could feasibly double major with Aerospace and Mechanical Engineering in 5 semesters plus summer courses if I really wanted to (not that I do want to, it wouldn't be worth the effort and I would hardly be able to keep up with coursework, ROTC, honors classes, and rowing).
My biggest question is about the availability of ROTC scholarships for people like me who plan on going for four years but have too many hours for the basic requirements.