Life advice from 4chan? Bold Strategy

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Alright guys, I need a couple of opinions.

I'm currently a 21 (almost 22) year old guy in the USA. I racked up about $15k in student debt, but decided college wasn't right for me. I've just been drifting for a couple years now.

I got accepted for a Working Holiday Visa to New Zealand. However, as much as I'd like to go, I also would like to work towards something that will be worthwhile to my future. I feel like I am doing nothing in life. I would be there for a year, basically sightseeing and working oddjobs.

On the other hand, I'm considering joining the US Navy to get a steady check, and eventually get free education when I leave the service.

The dilemma: Should I spend another year of my life basically "doing nothing" in New Zealand (even though I'd enjoy it)? Or should I immediately start working towards my future and give up the opportunity to live in NZ for a year? I'm torn because the NZ WHV is once in a lifetime, and I could join the Navy whenever, really. But I feel like I've wasted enough time, etc.

What would you do in my shoes?

Thanks fellas.