Mike, I mistaked you for a college junior as well. You seem concerned about your competetiveness for a scholarship but all you can do is try like you said, worst case you join the NROTC unit freshman year without a scholarship and apply for one starting your sophmore year with your hopefully improved college grades. Besides, if it is only your junior year you still have time to pull your grades up right? I am just applying for Marine OCS, so I can't tell you specifics about NROTC, but I can write that when I was accepted to Villanova back in the day with a B average and an 1150 on the SAT (yeah, not to impressive right, but wait, it gets less impressive) I had
no extracurriculars and there was no kind of diversity involved in letting me in. At the time, the guys I spoke with at the NROTC unit there were basically all getting their 3 year scholarships after their freshman year if they had a 3.0 or better. What's more, they all were helped with studying through the program so they basically all got the grades and secured a scholarship. From what I remember, the Marine option guys would join as Navy selects, get the scholarship, and then switch over because allegedly the Marine one was a lot more competetive to get. Bear in mind Villanova is the second ranked NROTC program in the country (I think Notre Dame is numero uno). I realize NROTC units differ from school to school so do your research. I could be wrong but I think at Villanova they got full tuition, books and a uniform allowance as well as room and board (not sure on that one) which today is probably the equivalent of $40K a year. There is probably a few Villanova guys around here I imagine who could elaborate and or correct.
I ended up enlisting in the Marines, but when I did I remember there was a kid at my office who was applying for the USNA and doing paperwork for NROTC and/or enlisting as a fallback plan (I vividly remember the kid bringing his daddy everywhere to make sure he was not getting hosed). So, it is not entirely unfeasable that the recruiters deal with that kind of thing. I even knew a guy in the Navy who was enlisted and in training and finally got a NROTC scholarship he had applied for before enlisting and left active duty to become a midshipman. My point to this ramble is that you don't necessarily have to be an Ivy League caliber student, so don't discourage yourself just do your best to improve.
If the OSO or someone else does the same kind of thing with NROTC apps though, why bother messing with a recruiter anyway? Why don't you just call some schools you are interested in and get in touch with the NROTC department? I am sure they will give you the skinny on what you need to do to get where you want to go.
Good luck to you and Semper Fi (hint hint
)