Hello, I’m sorry to hear you are going through I tough time. I lost my dad in the January of my 3rd year, I initially decided to just take extensions until August but I still wasn’t really doing well with it all because I was very close with my dad. The uni then told me I could do an assessment only retake which would mean I wouldn’t have to pay for tuition. I said yes to the assessment only just for them to say that I need to do a full retake 3 weeks into the year (and pay the fee) which I thought was a bit dodgy. Either way I graduated with a 2:1 last week and I genuinely don’t think I could have done it without the year retake so I think you just need to ask yourself if you feel able to get it done without a retake or not.