Too late to be a fighter pilot??? More like you couldn't be in a better position. You have a ton of options. You could do ROTC (Air Force or Navy), you could wait until you graduate and go through OTS/OCS, or the route I would recommend is stay in school, get excellent grades, work on getting your commercial rating and instructor rating and get a job as a part time CFI while in school to build up some hours.

When you are getting close to graduating from college start applying/interviewing at guard units. Once you graduate, if you haven't been hired yet by a guard/reserve unit, get hired by a regional airline, keep trying to get hired by a guard unit. Once you get hired, take military leave from the regional airline (and your seniority keeps on going) and after two years of military pilot training you go back to the regional, with better pay/seniority. Then you fly fighter planes on the weekend and people movers on the weekday. By the way, what university are you planning on attending?

By the way, the age cutoff for being a pilot in the Air Force is 30 years old by the time you start pilot training, and i even met a guy who was 33 with a waiver.