Welcome to the forum. Several of us here are retired or AD USAF, or AFRES or ANG.
What's this about AFROTC requiring 3 years--they no longer offer a 6 week summer camp followed by a two-year ROTC option? Unless you really want the master's degree right now, you could get your commission and then get your master's using TA. Again, finances aren't everything, but if you spreadsheet some options out you'll see that starting your career a year earlier makes a big difference if you stick with a constant retirement age (or, alternatively, it obviously lets you retire one year earlier).
"Freedom begins when you tell Mrs. Grundy to go fly a kite." - R. Heinlein