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Yes, its worth it assuming you eventually get a good job, wind up in a higher tax bracket and that continues even after retirement or your investments do extremely well and you have a very large balance in the account at retirement.

But these are all unknowns. You will have to decide for yourself what is likely to happen in your case. Personally, I would put a few numbers into a spreadsheet program and see where the breakeven points are.

Best of luck to you.
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