I'm going to try to say this in the least 'flame' like way possible, but take it with a thick skin.
The obvious:
You signed a contract. The time to have had these thoughts and do your investigating was before you raised your right hand and sign the dotted line. You made a large mistake entering into a contract of this magnitude that you can't/won't fulfill.
To my knowledge (I was a BDCPer and am VERY familiar with the contract), the two options you have are:
1) Honor your contract, serve your country for 4 years (or whatever your contract is) as a naval officer.
2) DOR (Drop On Request), and go to Great Lakes, through enlisted boot camp, and do two years as an undesignated striker.
To my knowledge, there are no provisions in the contract that allow for another way out. HOWEVER, it is feasible (and WINK would be the AW knowledgable one on such issues) that you could send your recruiter a very well worded and convincing letter about you 'being honest with yourself' and not wanting to take this slot away from someone else (which in all reality, you already have). In this instance, you would hopefully be obligated to pay back all the money the gov't gave you.
Either way man, the taxpayers invested a chunk of money in you (depending on how long you've been receiving the BDCP money). You owe em' in one capacity or another. Hope this helps.
Bad gouge. AFAIK, you can't pay back BDCP money since it's PAY, and not a scholarship. Legally, you can't pay it back (I'm not a lawyer, but just what I've heard). ROTC (or Academy?) it MAY be an option since it's technically a scholarship, but BDCP is active duty pay, and you are already active duty enlisted. You can't just back out. You have already sworn in and have to serve out your commitment just like anyone coming out of bootcamp. BDCP just gives you the opportunity to go to OCS to become an officer and sign a new contract when you get your wings.
Until then, you are currently a contracted enlistedman in a commissioning program.
I highly recommend you talk to your recruiter and maybe he can set you up with folks to talk to or talk to you himself and try to motivate you and get your spirits up.
I think the ONLY way you could "get out of it" would be to go pretty high up the chain, and I've certainly never heard of it, short of a medical problem.
Right now you have the option to be a part of one of the COOLEST professions: Naval Aviation. For 8 years after wings. OR you can go enlisted and serve out your 2 years and get out. It's up to you, but as HARD as my journey has been thus far, I'd never go be a civilian now.
All I know is that you REALLY have to get right with yourself if you do choose OCS, because if there is even a SHRED of doubt in your head before you walk through those doors, you'll be DORing in a few days and be headed to great lakes, or you'll be so depressed and unproductive you may get attrited for lack of effort or failure to train.