that 95% chance of becoming an officer once enlisted is horseshit. you want the BDCP, that's the one i was thinking of. BUT you only want it if they do not make you enlist upon completion. if you want to become an officer, do NOT enlist first. once on active duty, it will be difficult to find the time to go to school and do too much more.
the whole thing about USN schools counting towards degree is also horseshit. BTDT. yeah, you get "credits" ... and all those "credits" do is promote you from freshman to sophmore or maybe junior standing. when i attended a real university, i had all these credits, but you couldn't get out of taking the course unless you talk to the professor, who basically gives you the final exam for the course.
get a loan, get a job, do something, but DON'T join the frikkin military and throw away your school. once you're in school, there is no other time better than now to get your degree. OH, and when a nuke on watch on the boat, you're spending 100% of your waking moments trying to qualify for different "Watches" or to get your SS (SubSurface warfare) qualification. you need this to advance.
i *was* going to be a nuke MM, but i ended up going "normal" ET. best move of my life. i ended up switching because on the "Truth" day or whatever it's called during basic, i realized that my recruiter had me lie about my traffic tickets when i joined the navy. they handed me these 5 oversized playing cards and said to "pick my future".
back to my first statement... i know a LOT of folks that applied for the NROTC program as enlisted folks. and a LOT were turned down. me, too. [:)] i was only a 4.0 sailor that scored maximum possible points on my E-5 exam. once enlisted, there are a few avenues to become a commissioned officer, but they are massively competitive. ECP, where you springboard from AA or AS degree to a full time (and full pay on active duty) "job" at NROTC "host" school. your job is to go to school. you keep your E4~E7 pay, but you pay for school.
you definitely need to talk to more navy people; people that aren't recruiters. go to the NROTC unit. if your school doesn't have one, go find one. find out how to talk to a sailor that IS a nuke MM or ET and talk to them about the job. ask for a tour of a sub. MUCH of this can be arranged. the recruiter should be able to do this for you, just make sure you tell him you expect to be able to talk to the guy privately without the recruiter there. or better still, for the recruiter to arrange everything and then not be there at all.
good luck. and, btw, thank you for considering service to our country, even if i think you should stay in school and possibly be of greater service to our nation in the private sector.