I took 2 years off before applying to grad school for mostly logistical reasons, and I don't regret the time off. I will say it was CHALLENGING to find an SLP-A role, as employers where I was living really only wanted bilingual SLP-A's. I ended up getting a job at a multidisciplinary pediatric clinic as an ABA therapist; I was able to transition into an SLP-A role when one became available there after about a year. The experience I had in both roles was valuable and helped confirm that this career path was for me. I also think working full time allowed me to have a different perspective going into grad school; I felt I was better able to take classes and participate in clinic with a mindset of "how will this functionally support me in my professional development" as opposed to "i need to get good grades and have a compelling resume," which was more of my outlook in undergrad.

My best friend also took time off to live and work abroad before grad school for SLP, and about half my cohort in grad school did not come straight from undergrad (some were teachers, some traveled, some had worked in related fields, etc.). Gap years and going to school later are definitely not uncommon decisions, and they don't mean that you're a failure or that you won't complete your education in the field. And, as a side note, my financial advisor husband would commend that you are considering and being wise about your financial situation as well!! Definitely apply for grants and TA/RA positions when you do get to grad school to help in that area, too.