If all you want to do is be an airline pilot, quit and go the civilian route. If you want to serve your country, lead some of the finest young men and women in our country, and be a pilot, stay in ROTC. Nothing worse than a junior officer who is only there for themselves, and I speak from having served with them. You should be an officer first, and a pilot second. And yes, the return on investment from learning to fly with Uncle Sam is huge. In more ways than one.