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When to apply for self prep?

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Happy to have a secure plan E and F. However, without a NROTC scholarship in hand (I know, still time) E and F would have price tags equivalent to military prep (give or take). I'm wondering if it makes sense to get the ball rolling on self prep as a plan X. If so, does DS begin the app process now? Or is it ok to wait until all of the chips fall into place? Thank you. My apologies if there are numerous threads on this perhaps I was using the wrong key words.

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