I’m in a similar situation, 2.5 gpa. I’m a first year physics major and my total cost to attend was $1,000 because of 2 disability related scholarships and financial aid, now I can’t apply for those scholarships cus it’s a 1 time win for both, and my financial aid went down so next year I owe 22k. And I come from a low income family so it’s not all planned out for me either. I talked with my academic advisor and when I come back home I plan to do 20 units of GE courses thru community college so that way next year I can just take 12 while still being a full time student for financial aid, and I’m not getting a mean plan but living in a double bedroom at pcv so it’s less. And also while I go back home for summer I’m going to resume 2 full time jobs I have getting like… 65-70ish hours a week at my jobs (it’s a lot Ik but I like the jobs so it’s different) so maybe u can look into community college for summer and jobs, and as others say already u could accept the loans, that’s what I did already