I think by “worth it,” you have to ask what you want out of the experience. Personally, I wish the American system of education was more geared to having students take a gap year to work, as is common in the UK. If you’ve been accepted to a college and want to take a year off before beginning your freshman year to be a working student in a good program, I personally think that sounds like a great opportunity to mature and reflect on what you want in life, gain some hands-on skills, and, if nothing else, appreciate the value of being an ammie rider! It can also give you skills that will benefit you as an amateur rider that may save time, money, and heartbreak in terms of horsemanship.
I agree with others, though, if you’re interested in pursuing horses as a career path, finding a reputable program that will offer you the types of opportunities you need can be challenging, and will take a great deal of work (specifically talking to people who are veterans of those programs).
Given the current world situation with the pandemic, that’s another thing to think of, too. Many students have spent their entire first semesters taking online classes, so taking time to get work experience until things are more normalized (whenever that it), isn’t necessarily a bad idea. On the other hand, the working student program itself needs to be safe. That’s not just pandemic-wise, but also in terms of the obligations and duties you’re expected to perform. For example, are the horses you’ll be working with within your capabilities to handle them?
Finally, it’s worth pointing out that just because someone is a great horseman or horsewoman doesn’t mean they’re a great boss. Another reason why asking former students, not just pros, about the quality of a program is so important.