[gltchkrft]

It can be worth it if you use your time wisely. Think about a good topic for a final project and start working on it. Taking the time to do a large scale project and gain experience can definitely make a difference. I know that my final project had a lot to do with me getting hired in a different industry, so it can be really useful for that. Also, if you ever need to emigrate to a country with a more restrictive visa system, having a MSc. can be a factor.

See if you can work part-time (in the industry, web development or something that's still programming, but not necessarily your desired area) while enrolled. Then you don't take that much of a hit for starting your career later and you still get the benefits of having the degree. You don't have to maximize your test scores, focus on the final project and your work and put in just enough effort to pass.