Are you on a full ROTC scholarship (I don't really know how it works, as I was OTS)? If so, how will you pay for college? How about flight training? If you answer that with debt, I'd say stick with ROTC. If your parents have the money, or you do, then, jumping ship might make sense. If you do that, try to get on with a regional then get a Reserve/Guard flying gig. Best of both worlds, but it's not easy, if you want to fly fighters or live somewhere desirable.
Honestly, it probably will be quicker going the civilian route, but I've flown with lots of guys that quit ROTC, or turned down an OTS chance and now regret it.