I'm 31. I chose college first. I didn't have the money for the degree, but I got loans and grants and scholarships. I worked my ass off and I got a degree that got me a high paying job. I got myself out of debt, and started saving money like crazy. I got independent, I got a comfortable nest egg, and I saved enough to pay for all of transition in one go. It was a damn hard bunch of years. But now that I'm here, with all of my documents changed, on T, and headed for surgery in two weeks? It was worth every minute. I am now able to do everything I wanted to do, and do it safely. I will not deny that the wait was hard, but I believe it was absolutely the right decision for me. I know that I would not have been happy being male, but without my education, career and stable independence. Minimum wage or part time jobs are barely enough to pay for basic necessities, and there is not much if any left over to save the thousands necessary for transition.
For some quick math: I'm at about $11,000 for document changes, legal fees, T, and top surgery. If you save $100 a month, it'll take more than 9 years to get that. If you have a high paying job and save $500 a month it will be less than 2 years. Even if you add in four years of college and don't save anything during that time, your transition could be done at least three years faster, and that's assuming that you were even able to save $100 a month on your minimum wage job which would be very difficult. And then when you're done, you still have an education and a high paying career to start living your new life with.