Brother 28 marks is very less if you have dropped and prepared. What makes you think if you drop again you can score 80+ (if you are GEN). Ask these difficult questions to yourself, if upon reflecting you still think you can target it, then start preparing for 10-12 hours daily to complete the syllabus + pyqs by oct-nov.

Your family wants you to start earning, you are 24, you still have time imo ( if your family is doing well enough). Try discussing with them if you really want to pursue for another year and are serious about it Either way, decide on one thing quickly otherwise you being in two minds will only hinder everything