Ask yourself if you are willing to spend your whole life in the Air Force. It all depends on why you are doing ROTC.
Are you doing it simply for the money? Once your required years in the service are fulfilled, do you plan on dropping out? If so, I would tell you not to go into ROTC. It is too big of a commitment. Really the only reason you are considering ROTC is to be happy, but if a life in the Air Force won't make you happy, why do it?
On the other hand, if you truly want to be in the Air Force, and would not do ROTC simply for the money, by all means GO FOR IT! What's an extra five years tacked onto your agreement if you will truly love what you are doing?
If you choose not to do ROTC, remember one thing. Surgeons make a substantial amount of money. You won't need to worry about paying off your debt; the money will come. Many people pay off their debt in a reasonable amount of time, and so can you! Keep a positive attitude!
It really just comes down to what your heart is telling you. Corny, I know, but do the thing that will make you the most happy.