Gap Year, Going to Aberystwyth 2014?

Hi,

On a Gap Year at the moment, got a confirmed place at Aberystwyth University for 2014,

When do I need to start looking and thinking about Student Finance, and with the bracket for a Loans as opposed to Grants, if I apply my current income, that I WILL NOT HAVE when I go to University from my full time job, it pushes me up several bands, take it away and rely on my household income that I will have whilst at University, and I am in the bottom band and eligible for the full grant? Will I be able to apply as this, else I should probably quit my job in time to ensure the annual amount doesn't go over, as the loan will end up costing me a hell of lot more than I will earn in the next year?

Finally, do I apply through Student Finance Wales or England?
Full English UK Citizen, but Aberystwyth is in Wales?

Thanks,
Daniel