Student loan repayment

Hello I was wondering if someone can answer this question for me. I have about $40k student debit (both subsidize and unsubsidized loan) will i qualify for a the student loan repayment program? I want to go officer in the reserves but I had multiple people AND recruiters tell me yes and no. Will someone be able to give me a better answer? Or is it easier to go enlisted and then drop an officer packet? And is dropping a packet when I’m an enlisted on the reserve harder to qualify?