In this situation would pursuing a commission through rotc be worth it? I'm looking to do the Army 2 year program. At this point, I am planning for worse case scenario: No Army scholarship. Since ROTC classes don't count in full time calculations at my school, I would have to take 6 extra classes (4 to cover the ROTC classes (1 each semester), as well as another 2, since I am ahead in credits, but ROTC requires me to be full time). At my school, this would add up to ~20,000 USD, which I would have to take out in loans, since my academic scholarship is based on # of credit. I don't mind doing that if I get active duty, since I would be able to take advantage of the public service loan forgiveness program. However, AD is not guaranteed. If I get reserve, I get stuck with paying the extra ~20k, since reserves can't use the public service program. I originally wanted to go ROTC because it would give me more time to learn. But in this case would it be best to finish school with less loans and apply for OCS? Any Advice?