For context, I am a 20 year old finishing a joint maths and computer science degree at a top 5 university within the UK. I have an internship at a cybersecurity company, and a research internship within my university. I am on track to finish with a first, but I don't have a graduate job lined up or admission into a top university. Currently, I hold offers from TU Delft's Applied Mathematics masters and Edinburgh's MSc in Applied Computational Mathematics, and am waiting to hear back from IP Paris Data & AI and Applied Mathematics & Statistics master.
I want to continue my education with either a masters and ideally a PhD, in the fields of Applied Mathematics / AI / Data Science. I'm also from the EU, thus TU Delft's master is significantly cheaper than Edinburgh's masters, at around 33 thousand GBP, which I'd have to take a loan out to attend.
I guess my question is, would it be better to attend one of these universities, or take a gap year, building up experience in order to upgrade my candidacy to master's programs for next year.