MSF for free or Semester at Sea?

Hey guys,

I'm a 2nd year undergrad right now attending a decent school on a full ride.
I could graduate in 3 years and get my MSF in the fourth, all for free. Or I could graduate in 4 years with a BBA and second major in the liberal arts.

To add to the confusion, I got accepted to Semester at Sea with a huge scholarship (I'd only have to pay them about 2K total). But I would have to take a Leave of Absence from my school, and only 3 of my credits would really count. Plus, it would count as transfer credit. And I would not be able to get a Master's but will have to graduate in 4 years. Benefits: would visit 10 cool countries

What would you do?