You have already considered university as a possibility, and for many it can lead to a great career. If it is fear holding you back, you need to let go of that fear. If you want to go to university, go for it. It will help improve your future in the long term. Student loans you pay back when you are earning over a certain amount. If you are too homesick you can commute, but I would recommend moving into halls, as you get the full uni social experience.