How does this work exactly? I heard from my JROTC instructor that having a Master's is kind of an 'unofficial-official' requirement for being promotable past O-3 and I would very much like to not stay a terminal lieutenant... I have some questions: Can junior naval officers apply directly for master's programs after completing their bachelor's degrees? Does the navy consider your grades/undergraduate institution in determining whether or not a newly minted O-1 can apply, if at all? Just how real is this 'unofficial-official' requirement?