Contrary to traditional models of galaxy formation, recent observations suggest that some bulges form within preexisting disk galaxies. Such late-epoch bulge formation within disks seems to be linked to disk gas inflow and central star formation, caused by either internal secular processes or galaxy mergers and interactions. We identify a population of galaxies likely to be experiencing active bulge growth within disks, using the criterion that the color within the half-light radius is bluer than the outer disk color. Such blue-centered galaxies make up more than 10% of star-forming disk galaxies within the Nearby Field Galaxy Survey, a broad survey designed to represent the natural diversity of the low-z galaxy population over a wide range of luminosities and environments. Blue-centered galaxies correlate at 99% confidence with morphological peculiarities suggestive of minor mergers and interactions. From this and other evidence, we argue that external drivers rather than internal secular processes probably account for the majority of blue-centered galaxies. We go on to discuss quantitative plausibility arguments indicating that blue-centered evolutionary phases may represent an important mode of bulge growth for most disk galaxies, leading to significant changes in bulge-to-disk ratio without destroying disks. If this view is correct, bulge growth within disks may be a natural consequence of the repeated galaxy mergers and interactions inherent in hierarchical galaxy formation.