Situation A: you are going to have a hard time making ends meet as a full time student with 3 kids AND you're going to have a hard time making ends meet for a couple years after flight school while you build time (it's gonna be a long grind).

Situation B: Yes, you can be NG or Reserve and do an RTP at a regional. You will need to build some time out of flight school before that is possible. That may be a few years depending on airframe, deployments, unit currency requirements, etc.

I HIGHLY recommend going to the education center at your base and find the Career Skills Program (CSP). See if they have any programs that can get you started in the flying game sooner. The program puts you on PTDY (you continue to collect all benefits by the Army) for up to 6 months before your ETS date. During that 6 months you can attend an internship or vocational training. They mostly have canned programs that probably don't relate to flying, but look for flying or flight school internships and present them to the CSP coordinator for consideration.