Part of the contract that she signed is that she would fulfill the obligations - when she was no longer able to perform should the Navy have just said well, thanks for two good years of once a month meetings for which we get no benefit of service?
I’m tired of whiners.
She didn’t opt out. They said, “no thanks”. She’s still willing to serve. The duties might not be combat related or anything more meaningful than pushing paper but they could find a job for her if they chose to. She could have completed her 4 years, walked onto a ship then suffered an injury that would have required a medical discharge. Should she have to pay it back then?
In all fairness, ROTC is a bit more than once a month meetings.