I think I need to drop out and reapplying for medicine

UK medical schools do not normally, as a rule, accept applicants who have started medicine at any other UK university (sometimes anywhere) and then not completed the course, normally for any reason. You will be effectively blacklisted from every UK medical school if you do so.

If your fee status has changed I'd recommend first discussing with the uni whether you can have your fee status reassessed. Unfortunately for medicine things may be more complicated as there are separate sets of places for UK and international fee paying students and so you may not be able to be reassessed to have the home fees now you are on the course for international fees.

I've already talked to a financial advisor and the admissions office. They won't change my fee status, nor do they have any scholarships that I could apply for.
The contention point was that I hadn't lived the three years required to qualify for home fees, which I will if I reapply. I know I should've taken a gap year or deferred, but I wasn't aware of the financial difficulties I would run into when I first applied for medicine.
If I was able to explain in my personal statement my reasons behind my reapplication, would it be fine, or would they just see that I had dropped out and not even consider my application?

If you look on basically any medicine course webpage it will normally state quite clearly and prominently that they won't consider applicants who previously started but did not complete a medicine course. A very few I think indicate they will consider extraordinary extenuating circumstances, but I think this tends to be more centred around e.g. requiring specific medical treatment at a particular hospital local to that uni which cannot be accessed anywhere else in the UK, which is necessary for them to live or similar scale of things.

You can certainly ask but I would not withdraw without having absolute, written confirmation from the medical school(s) you are planning to apply to that they will consider you even after leaving another UK medicine degree. And even then you may still not get in...

Otherwise your main option is getting a medical degree in any other country (some may have similar reservations about students having started but not completed medicine elsewhere, others might not) and then moving back to the UK to work as a doctor after graduation./

Essentially, I already got into medicine and just finished my first year. Unfortunately, due to changes in personal circumstances, I can't afford the international fees I'm currently paying. It's simply not possible. I've already talked to my uni and they will not change my fee status. If however, I was to drop out and reapply for 2024, I would qualify for home fees, which is a world's difference.
I've already applied for medicine at universities in my home country, but they're very competitive, and my chances of getting in are slim, especially as a late applicant.
I know it's risky, and that I might not be able to get back into medicine. Could anyone offer me any advice? I don't know what to do. Deferring a year even to work wouldn't help me, because the price difference is just insane, between 38k and 9k.
Would I be blacklisted if I applied to medicine again? I do have a legitimate reason for needing to drop out, but I know that medicine's hard to get into in the first place, let alone after dropping out of another school.