On a serious note, I'd first destroy/cut up every credit card you have right now (if you haven't already) and do not apply for any more. I'd re-enlist, spend 2-4 years living as frugal as possible, meaning whatever you don't spend on food or gas, you need to be throwing towards paying off your debt (I don't recommend ANY non-essential purchases at all). It won't be easy, and it will take extreme will power, focus, and discipline (all great qualities of the future officer/aviator you wish to become). This is a trying time for you, and if you can successfully overcome this huge hurdle, this will show a lot of people around you that you are capable of surmounting the impossible. Don't worry about the pilot dreams right this second...this ought to be your number one worry for the time being. If it's not, then I seriously wonder where your priorities lay.
Additional comments about becoming an officer: it's not out of reach, but you're really going to have to work for it now. You'll have to spend some time building a solid reputation as a worker/hard charger in the navy to prove that this "situation" is a one-time hiccup. Only then do I believe that you can turn things around and begin to write your own ticket. So, not impossible but a steep hill to climb.
PS-we have a 40 year old JO in our wardroom...proof that you're never too old apply for a commission. He enlisted in 1989, and was commissioned in 2002 at the age of 34.
