Hi,
I would recommend that you go to university when you feel ready to, if you feel that the gap year is something that you need to do before you go to university then maybe that's the best option. As university can be quite a overwhelming at points and if you don't feel ready, then it can to the stress.
In terms of student finance, you can get student finance every year of your undergraduate degree, for up to 4 years. Most university's will have the bursary's and scholarships available on their website for students to view, alongside the eligibility criteria for each one. There's also external scholarships available for students, however these do tend to be quite competitive and you have to normally apply quite far in advance.
Having a part time job as a Student Ambassador, is normally one of the best paying student jobs and every university have student ambassadors. YSJ pays Student Ambassadors around £13 a hour, which i would imagine is similar to other universities. Normally Student Ambassadors are hired at the beginning of the academic year, so perhaps look into that if your wanting to have a part time job whilst at uni.
I hope this helps!
Suzan - Student Ambassador