what ever you do DO NOT take a loan. they suck and screw everything up for your future. I can't take a year off because I always have to promtly pay my loans. take a year off before you ever owe/pay the fed anything.
unfortunately most people can't go to school with out a loan, and these days not getting at least your undergrad is a mistake. Instead of taking a year off and then deciding not to go to school, study abroad for a year some place where there are waves, thats what I did and it was the best year of my life.
Salisbury was pretty good, I don't think I would have lasted though if I didn't surf, social scene can kind of be a drag. Got in to UNCW but too much $$ being out of state.