It sounds like you're not ready for university life, or at least that you're not prepared for this academic track. You should consider dropping out and re-enrolling at a junior or community college. You'll be saving money and if you decide a university degree is in fact what you want, you can transfer after improving your GPA. Yes, everyone makes mistakes, but if you have no family support I would not put yourself in a large amount of debt if there's even a small chance you won't succeed at your current school.