You might want to consider a year of med/surge first, then go to the OR. The pay scale might be a little higher and you may be able to work a PM shift for a shift differential. Then weekends may have a differential, and when you do overtime, perhaps a night shift or two, you will even get a higher differential. These add up in the long run.
Also, when looking for jobs, inquire about loan repayment programs. That may weigh heavily in where you decide to work.
One year under your belt is great, because then you can do travel nursing. You might even be able to do agency work, and then working in the OR will be to your advantage at a higher pay scale. Even if you do not, having a year under your belt will definitely increase your pay rate per hour when going to the OR after one year of med/surge.
Having the year of med/surge may also give you a much more of a solid foundation as a nurse. If you do not like the OR after a few years, you may feel more confident in going to other areas because you know how to do much more than OR work.
Just a suggestion, but please consider this when weighing the pros and cons of your decision. One year goes by pretty fast. I am still in my first year as a new grad and time is flying. I do not regret this year in med/surge and I wanted to do this instead of going directly in the ICU (as I will be doing after this year is up). I just think of this year as one more year of school without the studying and exams, but getting paid for it, instead. Just another way of looking at it.
If OR is what you think you want for the rest of your career, then what is one more year, anyway?
Just a thought.....
And it can give you a chance to play catch up with finances. Talk to some OR nurses and find out what they might have to say about the med/surge first year, and then, also talk to some of your professors about this. You may be surprised to find out what they have to say.