@Sejarah, so I’ve completed a six-year BA/MD program, and I think it depends on what the real underlying reason is to tack on that 1 year. I’m guessing you would be paying out-of-state tuition at the undergraduate rate hence the 40K.
Are you feeling burned out and that’s why you’re feeling like you need that extra year to pursue your intellectual passion of history? If so, my fear is you’d just burn out again later in med school, once that year is up, so not really helpful, but on the other hand it’s also not good to go into medical school burned out either when the studying ramps up. Or is it because you feel like your curriculum is very restricted, hence the wanting to take other classes? I personally think that $40K in student loans for 1 more year of undergrad classes, is too expensive, if your family is not affluent enough to be able to put down that level of cash.