Lateral Advice..

I recently got an offer at a top BB(GS/MS/JPM)'s IB product group for an analyst position. Currently, I'm in middle office (market risk) at a lower tier BB as a first year analyst. I would've taken the offer at a heart beat, but now I have to pay 10k (relocation bonus) back to my current firm since I would be leaving within a year. 

The firm I will be moving to stated they won't be paying the money for me, and now I have to forgo the bonus (paid in March) from my current firm and somehow come up with the 10k. 

In this case, should I still join the firm regardless, since it still is MO --> FO? Or should I give it another half a year and recruit again in the summer? I just don't think I'll have a chance like this again next year since the job market is pretty hot at the moment..

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