<p>The cost of graduate school varies tremendously by the field. There are relatively few scholarships/fellowships for professional schools (law, business, medicine), while there are quite a few in the natural sciences.</p>
<p>Some professional schools, especially business, really expect applicants to have at least a few years of work experience before entering their program. If you graduate from college with no student debt, you will already be ahead of many of your contemporaries.</p>
<p>If you are thinking of taking a gap year to earn money for your education, you will earn much more as a college graduate taking a year or two between college and graduate school rather than as a high school graduate taking a gap year before college.</p>