Thanks for all the replies, really appreciate the advice. Here's just some blanket info I don't mind giving for the sake of ya'll helping me out, always good to have some opinions from the more seasoned folks since my parents don't have any experience with helping someone start a military career, and their advice from starting a career after college is over 30 years old:
-I will have about $30k in student loans when I graduate, all from federal loans used to pay for room and board.
-I have never owned/had a car; it simply wasn't feasible or 100% necessary for me to have one up to this point, but I understand I will need one once I commission
-I don't have any credit card debt, or a credit card for that matter. My stipend gives me more than enough for what I need.
-My family has banked with PNC for the past year, before we had had Wells Fargo and, for a variety of reasons, decided to take our business elsewhere after a couple last straws. I highly recommend PNC for their professionalism and obvious care for their customers. Unfortunately they are relatively rare outside the of the eastern US so that may require a change in banks depending on their over-the-phone and online service. I was always hesitant to start banking with USAA due to the lack of branches/PNC has given me an excellent experience so far.
-My dad has had Geico since he was 17 and neither him nor my mom have ever been in a car accident. Long story short, we don't pay squat for car insurance. May change if I purchase my own vehicle and decide to do my own plan, but I'd like to just try Geico at first.
Again, thanks for ya'll's help, I'm just trying to make some smart decisions to go ahead and get my life started on the right foot. And about Pima's (who I respect greatly and take heed to all the random tidbits of advice she gives on this forum) comment regarding about having to furnish an apartment or other unexpected big costs, I can deal with nothing but a blow-up matress in a living room and having to buy my clothes at Walmart. It don't take much to make me happy and the latter thing I've really always done. Yeah, my girlfriend hates that I have the same Trans Am and Mustang t-shirts that I just alternate between when we go out