Navy is an extremely financially sound decision, as you're being paid to attend, you're being covered by military healthcare, and you're receiving countless other perks and free stuffs. While you won't pay a single dime, you are literally gambling as a 20 year old your life until you're at least 27! After sophomore year, Navy owns you. If you're caught not upholding their unrealistic standards, you're discharged with a bill for $250k! You don't even find out what your job will be until after you're contractually obligated to the military. If you didn't like you're first deployment and want to get out, that's tough luck. I'd advise you look up the declining junior officer retention rates to get an idea of how realistic the prospect is of you not enjoying your time in the military, and why having the option to quit is a luxury we're not afforded.