You say if you travel for a year "that way I won't have the HUGE debt over my head".
What debt are you in after Uni?
What/Who would pay for your year of travel?
What difference does it make regarding the money required for training whether you start now or in 12 months?
You will invariably be answered with a whole lot of "wait for a year" answers on Pprune, but I don't understand your logic regarding debt.
By the way, debt will be more expensive in a year.