highly recommend doing a semester if you can.  you learn a lot about yourself, other people and how to correctly deal with them, outdoors/natural environment, and a shit ton of technical skills depending on what you do.  all while getting to see amazing places.
I took a year off after hs and did a course in the fall semester and it was basically me and a bunch of college graduates who had no idea what they were doing with their lives.  I learned so much about life and people in general cause it was my first time really being off on my own.  my perspectives were changed quite a bit to say the least.
I didn't really save money or anything for school afterwards, but the credits made it so i didn't have to take some bullshit elective credits that I felt were a waste of time.  Plus, nols is highly regarded by countless corporations and organizations such as harvard business school to name one, so it's a good thing to have on your resume if you're going down certain paths.