And just to add to what tiou95 said, if you go on to graduate from uni, the Advanced Learning Loan debt is wiped out. So if you stay the course, your Access course will effectively be free (although you don't get any help with living costs during the Access course, just the tuition fees).
As has been said above, most unis will still insist on GCSE English and Maths at Grade C or above, as a basic guarantee of literacy and numeracy. Some colleges will let you study these alongside the Access course. It would be hard graft to do all three in one year, but might be worth looking into.