you are young, so you think of working as a waste of a year. however, i know that if i could do it again, I would have taken a year off to work somewhere.
i graduated school in 3 years (no summer courses, still partied hard - woke up in hospitals, vans, bushes). i would spend a lot of time in the gym, doing random volunteering i was passionate about, or talking (a lot) with all the ppl up in nyc. always used to study the night before exams, never going to class, not knowing when something was due. you know the story. its stressful, but it is no where as stressful as real life.
it took me a good 4 months to get offers for a job with my chem/math degree (sure it was 70kish at a pharma). but thats not what i wanted out of life. i decided to do what i want and took the lowest paying job that i have ever had, doing research.
I took the job because it offered me a lot of independence and the ability to push and learn (things that were important to me). While thats all and good, rest of my life is really really tough because of the nominal wage w/o any benefits. I can't afford to keep up with a lot of my college friends because its just too expensive.
I wish I had experienced this after my freshman year. I would have had worked my ass off for 4.0s.
The point is, take the year off, your ego and your personality will choose a direction in life (eventually). If medicine is what you want, you will run over the challenges in your path and be highly rewarded.
I highly suggest everyone to take time off. It maybe a bit harder for you than others (i actually never got less than a B), and it maybe easier than for some. That should never discourage you or stop you from being proactive.
Good luck!