I’d definitely wait, you have to think about what’s better for the long term and while getting on HRT is really important, if you take on that debt for school you’ll potentially not be able to afford HRT anymore. You can try non hormonal ways to feel more comfortable in your body in the meantime, dressing different and such

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I’d wait honestly because once you drop out you’re going to be left with a bunch of debt and nothing to help you support yourself and without that gender affirming care will be significantly further out of reach

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