Withdraw from second year

Hi, I’ve been thinking for a while to withdraw from my uni course cause I wasn’t enjoining and thought maybe I could do something else for a year and then apply for a different course. The beginning of January I went through a bereavement that impacted my motivation. I didn’t know I could apply for extenuating circumstance to get a longer extension on my assignments. I haven’t submitted work after January. I was wondering what will be the best time for me to withdraw without implications of paying back student finance loans straight away. There’s 3 weeks left for the third semester and if I withdraw I’d have to pay back 75% - 100% of my finance back. Alternatively I was thinking of withdrawing after my May exams when the academic year is over so I can avoid over payments. What’s your best advice