The 3-year scholarship is becoming increasingly hard to get. Because the Navy currently has a surplus of officers they're cutting down the scholarships they give to kids who don't come in with them. FYI, last year they had around 100 (just an estimate from what i remember of my COs brief) that they couldn't find jobs for. They were considering offering the full scholarship graduates not to get commissioned but I don't believe it came to that. 2 people from my units consortium were affected by this, one from MIT and one from Harvard, but I believe in the end it turned out alright. Anyways, back to the point, according to my CO the national boards that meet for the 3-year are only awarding the scholarships to a limited number of the highest qualified individuals that are college programmers. This has affected many qualified 3/c in my unit who are in my opinion much more deserving of the scholarship than seniors coming out of high school. Keep in mind, the CO from each NROTC unit gets to give out one scholarship per semester based on grades and leadership (its called the leadership scholarship). So to answer your question the 3 year scholarship has become even harder for individuals to win, even for kids at my consortium which includes BU, BC, Northeastern, Harvard, Tufts, and MIT. Hope this post helps you with your decisions, and in no way did I mean to discourage everyone, if you're highly qualified you definitely have a very good shot. Good luck.
PJ~ MIDN 2/c Marine option Boston U.