Need help picking next steps

[frqd97]

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I'm a junior at NYU majoring in neuroscience. I currently have cGPA of 3.515, with an upward trend. My ECs are good and am taking the MCAT in September. I've been debating doing a Master's program during my gap year, but there's a lot of pushback from my family in terms of the cost and the additional two years. With this GPA and good ECs, and a reasonable MCAT, is a Master's program worth it? Or should I stick it out and apply during my current intended gap year? Please help