I agree with all of the great posts above. You have to ask yourself if you'll be happy in the AF for another 5 years and then looking beyond that, another 5 (because as said before, if you do 15, why not do 20?). Many people bail out for various reasons. Whether it's the lifestyle, the abundance of bs, more flying/less staff work, etc... That said, you can't deny that officer pay as a Capt or Maj with 10+ years is not too shabby ($80-90k with all the benefits??). The military spoils you with all the tax benefits and everyday things we take for granted (commissary, BX, gas station, Class 6, you name it, we've got it). You're definitely going to take a pay cut, even going to a major airline, having to sit on probation for the first year. The pay goes up steadily after the first year, but having the ANG or Reserves is a must. Do not pass up the opportunity to collect a retirement from the government, even if you have to wait until you're 60 by going to the ANG. We all know, you've definitely earned it (well at least 50% of it so far). If staying in the cockpit it what's most important to you, I would get out at this point.