Personally, I had to give this a lot of thought as well. I get the extra year, which I am really happy about, but at the same time, I would have to do grade school that fall. I know it will be way too much for me to handle because of money. (I live in the Philadelphia area and I want to go to grad school in Boston)
Earlier this year, I had my mind set on not marching my age out. As of right now, I do not intend on following through with my plans. I want to march my age out because it's a once in a life time chance. You never get that back.
I would look into what type of plan you will be going into - I think that will help sway your choice a lot. For me, I can get my Master's in one year if I am a full time student. I am willing to give up a year to work and then go to school just to march my age out. Also, talk to your parents. Even if you do not want to! It was hard for me, but my mom understands and she is behind me!
Hope all works out! :)