Did you graduate or are you still in HS? It matters. Confirm the latest rules per branch application, but it used to be that if you earned the credits prior to graduating HS, they did not count against the limit. Point of fact, in 2018-2019 my DS had well more than the 30-32 credit limit and received a scholarship from each branch because he had earned those credits prior to graduating HS. He still did college in 4 years and used that time to mature/ complete the full ROTC training cycle.
Step by step - start with confirming the nuance details per application and please let the board know what you find.
This is key as at least for the Navy National Scholarship -
"Students with
30 or more semester hours or students with
45 or more quarter hours of college credit upon submission of the online application are not eligible for the Navy ROTC National Scholarship. It is recommended that these students contact the Professors of Naval Science at the Host University's Navy ROTC Unit to discuss other scholarship opportunities.
- College credits do not count until an applicant has graduated high school and completed a term of college; then all college credits earned (prior to and after high school graduation) count towards the eligibility requirements.
- If you are a high school graduate and complete a term of college prior to submitting your application, all college credits earned (in high school and in college) are counted towards the credit limit.
- If you are a high school graduate and are enrolled in college, all college credits anticipated to be earned by June of the application year (defined as April to January) will count towards the credit limit.
PS - Given how many credits you have, I agree with exploring the ROTC scholarships but have you considered a plan B of going the OCS/OTS route? You could be out of college in maybe 2.5 years or less (one of my daughters has as many credits as you do, and is graduating undergrad this year in only 5 semesters, even after retaking a bunch of APs since med schools want to see all the science/ math courses taken not tested out of). A strong merit/ aid package at a state school or other could mean you are on your way and living your dream much faster and without the risk of having to pay back the ROTC scholarship should something go wrong. Food for thought - good luck.