MYO, so kindly said. Israelis in general tend not to save, tend to spend everything they earn, and much, much more. Heavy credit card debt is very common, probably because when you live in a country surrounded by enemies, with the constant threat that entails, you tend to live more for today than to plan for the future. Plus college in Israel is very inexpensive, and since most people do army service or national service, I believe that it’s essentially covered as an after-service benefit. I just don’t see how ANY middle class family can plan to pay 75K/yr for college.
Chanceme, are you SURE you will have a green card before the next round of applications? If so, and if you can think of something that you could do for a gap year that would greatly enhance your applications, like getting a job in bioengineering, or working in bioengineering research, then I think it would be a very good idea to do so, and apply for next year with that green card.