As gross income goes the four year academy will pull ahead of the bottom up method after about eight years from your freshman year. After the eight years the advantage is clearly in the academy route. It also gives you a huge advantage if you decide to work ashore.
You are a little old to start in the academies. Most of them have a military school routine so you need to think if you can stomach the marching and such. If you are former military then you will be accustomed to it.
Finally, starting from the bottom and moving up is getting harder year after year so if you intend on a career then go the academy route.




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