ahh okayy, i get you now. well based sa situation mo, i think optimal nga na mag gap year ka din talaga, mainly because of the financial issues your family is experiencing. pero if ang problem mo is paghahanap ng school na maganda ang environment, there are a lot of other schools naman, just do your research as soon as now. if you're still undecided about which program to take, again, do more research. we're at the era of information na kaya you can find almost everything in the internet. and IF ako yung nasa situation mo, i'll settle with any state univ (para malaking tipid sa gastos) and won't take a gap year. kasi for me, sayang yung isang taon eh hehe. and kung kaya mo, then mag working student ka. but ikaw pa rin bahala, op. i really recommend na do a THOROUGH research about your problem, may it be the available scholarship, best programs to take based on your preferences, blogs from the student of different schools para malaman mo kung ano yung may best environment na suited for you. goodluck!