Hey, I’m a student that was accepted to two SMC’s but didn’t achieve the scholarship because of lower PT scores. Since denial, I’ve worked on and continue to make progress on improving in this category. As of right now, I’ve been accepted into my state scholar’s college with more than a full ride scholarship, which I also plan to participate in their ROTC program. My goal here is to transfer to a SMC after freshman year, after vastly improving my PT score and other ways of improving my portfolio. Here’s my conundrum: An enlisted buddy of mine told me I should cut my losses and take a loan to go straight to the SMC, because if I transfer and do my Rook/Knob/Rat year, I’ll never reach the potential I would if I went straight away. My problem is the loans, I understand the “you can pay them off when you’re active duty” but I’d prefer not to have that burden.Is anyone, or does anyone know any SMC transfers who know any advice or forewarning before I get myself into anything I don’t need to? If I can get any other opinions that would be great. Thank you.