It is not hard for 100$ to be alot of $ from 0-1 pay. How many PFC's have college loans? When you pay more for loans than the entire PFC's paycheck, 100$ can be alot.
Well, yes $100/mo can seem like a lot, that depends on how much you make it a priority (low priority= a lot, high priority = a little). Maybe that means getting a less expensive ensign mobile, or going out to eat/ drinking less, carpooling, or not getting the primo cable/internet package, living in the Q or only paying the minimum amount on your other loans in order to swing it. Bottom line is that from an investment (both financial and educational) standpoint its an easy decision to make- you come up with the $100/month because the returns are enourmous compared to the cost of the original investment.
If I had the oppertunity to turn 1200-1800 into garunteed tens of thousands of dollars I would jump on it. Even if that ment moving into the Q and living off cans of tuna, romen and pasta for a year or two to do it.
IMHO, anyone who gets this chance is a fool for not taking it. Even if they dont think they are ever going to use it now, what are they going to be saying if they ever want to go back to school to land a civilian career? What if it is made available for use by dependents?