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Prefix: My answer is geared towards America and assumes you can start gathering Social Security at 62 and has not been accurately researched for viability.
Take on loans if needed and become a student.
Use student health insurance.
Graduate in 4 years - if you can nab a paying job you enjoy then go for it. Otherwise start collecting SS and whatever other benefits you can muster.
If you can’t pay back loans - what are they going to do about it?
Hopefully by not going into debt with school earlier you were able to stash some more into retirement vessels earlier and maybe that’ll help.
For both efficiency and taste/preference – scrambled.