Have you started college and wanting to take a gap year in between years? Or have you not started it at all?
I took a gap year before I went to uni. Although it was hard and quite lonely :/ Im glad I did. My main reason was because if I went straight into uni, I would have only been on T for about a week. Delaying it a year, meant T could do its work abit more, I wouldnt look 12 years old and I would be more comfortable. Even if I went back, Id still do the gap year. And I got to do voluntary work abroad in my gap year.
But if you are already on hormone therapy and pass fine (sorry, I dont know your situation and where youre at), then maybe things will be fine for you to go straight into it, if youre worried about hassle from people and complications related to that, then uni is pretty much a liberal place to be, so you will be fine in that respects.
And by the sounds of it youve got the money sorted.
Im coming up to my final year of uni and Im considering taking a gap year now, simply because Im having lower surgery, and it is in stages so I know it will mean I will be missing alot of classes in my most important year! :/
Not sure what to do as Id have to sort things now for a gap year and I wouldnt have anywhere else to live. But hey, Ill play it by ear :p
Good luck with whatever you decide to do.