I'm in the same boat too.I've taken a gap year,working and travelling abroad,and am STILL undecided about Uni.I've met lots of people and asked them all what they think would suit me and have had many different answers.I dont feel as if my parents think I could hack Uni,but my brother on the other hand who coinsidently didnt go to Uni really urges me to go to uni,he says if you got the grades at A-Level you might as well go.But its the debt factor thats so daunting,I don't like owing friends a tenner!So how would I cope with Uni debt.But I guess if it's a course that you feel will set you up for life then it's worth taking the chance.It's just finding that course...
And then there is ofcourse 'where to study?',which personally sometimes I think I restrict myself on.It sound niave but,I want to study somewhere that I like:London,Oxford(Brookes!lol),Birmingham.Then pick the course after you have decided on a Area/Town/City.