In the Air Force, the ten-year commitment does not start until after you complete your pilot training (one year), which does not occur until after you complete OCS (12 weeks?). In any event, as a civilian going into the Air Force as a pilot, you are obligated for a minimum of just over 11 years.
I know. I was accepted into the Air Force with a pilot slot at the age of almost 29, went to OCS and then voluntarily left before getting commissioned. To make a long story real short, I decided civilian life was MUCH better, for lots of different reasons. For those of you thinking of joining the military to be a pilot, you need to think long and hard about what it means to be in the military and whether you are compatible with its mission. It's not like Top Gun. You are a soldier. You must accept the risk of dying for your country. You must accept the fact that you may be asked to kill someone (lots of people actually if you are a bomber or fighter pilot, some of whom will be innocent civilians). You must accept that you may be flying only a couple hundred hours a year, and you may not even be flying your whole career in the military. You may be flying a desk as you get older. The point is it is a long commitment (I thought 11 years was too long for me at my age) with very real and important consequences, many of which you will have no control over.
Just something to think about if you are actually capable of getting into the AF.