I am stuck, as I want to enroll in green to gold ASAP, but know that my current college credit is really darned close to getting a year trimmed off of the 4 years the college wants to accept me for. Is there an issue if I finish my degree ahead of the 4-year scholarship?

Has the school already considered your transfer credit?

If the school says you have 4 years left, then you have four years left. Your course plan will be have to be mapped out when you apply for GTG by a school advisor, so if they say it will take you four years, I don't think there is anyway around it. If you can finish early, you will be awarded a shorter three year scholarship.

You also have to keep in mind that you must complete your military science courses in addition to your coursework, which must be taken in sequence, so finishing early wouldnt be an option if you still have mil sci classes to take.