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Want Out of NROTC

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I'm nearing the end of my first year in NROTC, and I don't think the military is the right place for me. I want to leave, but I want to figure out the financial consequences before I do anything I can't take back. I have a four year scholarship. Obviously I won't get money for the next three years, but do I have to pay back the money I was given for this past year's tuition? How about monthly stipends/textbook stipends? I'm going to be in a tight spot financially, so I need to know this. Thanks

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