Do NOT talk to a recruiter. Do NOT enlist. I watched quite a few friends fall for the "Enlist now, we'll pay for your college and make you an officer later" line. It didn't work for any of them.
If you cannot finish the degree on your own in the next two years, or just don't want to pay for it, look into ROTC. I can only speak to the Navy side (Which I would HIGHLY recommend over AF, simply because from what I've seen, those who want to fly in the Navy have a better chance of doing so than those who want to fly in the Air Force.)
Look into ROTC, keeping in mind you have to go to one of their universities, so what you've done already may not transfer. If you're competitive enough to get into several of their options, start looking at what each unit produces. While it's not official, there are STRONG trends as to what type of officer each university graduates. Notre Dame puts out a LOT of sub guys. The Citadel is Marine heavy. My option, University of Texas, puts out a LOT of pilots (In 4 years there, I only know of one person who wanted pilot and got NFO instead; My graduating class of 4 included 3 pilots).
If you're going the ROTC route, it's all about the ASTB. Physical fitness is important, sure, but not everything. Grades are important in that you need to pass, and not by the skin of your teeth. What really solidifies your spot is your ASTB score.
The short version: Go ROTC. They have 2 year scholarships, but you'll likely have to do all 4 years anyway. Kill it on the ASTB. Fly Navy. If you have any questions about the Navy/ROTC side, feel free to shoot my a PM.
