Like I said it's completely subjective. For myself, I didn't see any benefit to a gap year and I think it would've driven me nuts knowing I could've started a year earlier. Then again, I feel about as prepared as I could be so we'll have to see!
Don't take this the wrong way; but current "you" isn't very good at judging ones own maturity. (Not saying anything about you in particular, just bringing up this overarching point) It's one of those whole perception problems - where if you don't know the scale extends (your current understanding is only part of the possible spectrum), you can only judge it by what you know, so you'll always think your at peak maturity at any given point. Ask any 25 year old if they are mature, and 1000/1001 will say they are.
Trust me, when you get older, you'll look back and have plenty of "what was I thinking" moments, and see thinks in a different light. We know that our brains aren't even fully developed from childhood to adults until mid twenties.
"Consider the lobes at the front of the brain. The nerve circuitry here ties together inputs from other parts of the brain, said Dr. Jay Giedd of the National Institute of Mental Health.
This circuitry weighs how much priority to give incoming messages like "Do this now" versus "Wait! What about the consequences?" In short, the frontal lobes are key for making good decisions and controlling impulses.
Brain scans show that the frontal lobes don't mature until age 25, and their connections to other parts of the brain continue to improve to at least that age, Giedd said."
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