Just a general comment for those starting their ROTC scholarships this Fall. Injury, grades, a medical issue, potentially a discipline incident, ability to perform to physical standards - and the fact that some young people just don't find ROTC/ the military is for them despite how they thought it would be, yield there are some risks that those who accept the scholarships will not ultimately commission. I don't think many of the national scholarship winners for Navy intended to not make it through their first year - much less even through 3 weeks of training at NSI. But many simply more than 100 have not made it/ are not continuing already, and statistically more will not make it through all four years. I've too seen a number of AROTC participants after some grueling overnight marches/ weekend work just throw in the towel - tough people, in-shape people - the last people one would think she/he will quit, but they are pushed to and learn they have a limit. Just a hard fact.
If you activate the scholarship and make it through your first year, you owe nothing and can walk away with a free year of school. But after that, unlike the academies which give you two years before you commit, in ROTC it's the start of year 2 when you do that - and if it doesn't work out, you would owe moneys back for the training/ schooling. Just as you make your decisions on what schools to attend, you should have some what-if discussions and discuss committing to at-least a full semester, if not 2, if you can. Discuss what happens if you don't. What if you have to pay it back. What if the scholarship is never activated because I/ my child cannot make the physical standard on-demand? What if I suddenly owe three years of tuition back? What if my leader decides I am not meeting a standard, and I am dropped? There too could be service obligation even if you can't commission as an officer.
Just know this isn't like the "free" toaster you get when you sign up for a new bank account, or set of steak knives you get for going to listen to a timeshare pitch. Strings are attached. Much like a division I athlete - if you can't make the grade, it's a pretty icy cold world. As I've said in prior threads, if you have a pile of money from an inheritance or stock boom or whatever, then you can just go to the pile and grab some if needed. But not everyone is in that situation (most of us are not) and not everyone in that situation today will still be in that position in 3-4 years.
OK, hope that helps perhaps some of you to prompt those discussions so that you're prepared if needed, and more importantly, not financially devastated.
Good luck all.