What do you want to study, business?
How much can your family afford to pay?
The problem with a gap year is that you sacrifice a year of working at a professional salary in exchange for a year of working fast food. If you can go to college in the fall you really should aim for that.
Truman State University is an honors liberal arts college in Missouri that will likely accept you for the fall right now. I believe they offer business. They are one of the cheaper options.