Thanks for the advice and encouragement, everyone.
...I keep reading these stories about how folks suddenly realized that they always wanted to be a naval officer at age 26
...Why do so many of you wait so long to try?
Well, I can't speak for everyone obviously, but here's my spiel:
My college career wasn't perfect, but it was a bit above lackluster, I feel. I completed my BS in Finance in 4 years at the age of 22 with a 3.27 gpa.
Shortly after finishing, I started working on the application process in 2004, but then, for the sake of simplicity, I'll just say "life" happened. A few family issues arose, along with school debt becoming due, and I ended up taking a job as an accountant. By the time I was back in a position to return to pursuing my dream, BAM 3.5 years had gone by.
Excuses, I realize, but what's it matter? I'm still "within" the age range, and if it's a possibility, why shouldn't I give it all I have left? For what it's worth, now I can say all of my T's are crossed. I'm debt-free, I have several years of degree/career-related experience, my plate is clean, and my family situation is finally at a point where they are self sufficient.
I understand my chances aren't as good as a 20 y/o, but if I never applied, I'd never know.