You have a good reason for doing everything like your car and your job, it just won’t work with college 30+ minutes away. You just don’t have enough money to go to the college you were planning on at $22k per semester. There are no loans for that amount.
You said your parents won’t let you borrow the money, won’t pay it, and won’t let you take a gap year. They will have no choice. The college won’t let you go unless you pay.
You don’t have much in choices. The college is going to kick you out if you don’t pay. Simple as that. College is a business.
You cannot borrow enough on your own to pay your costs. As said already, a freshman can only borrow $5500. You need parental involvement to get more and your parents want no part of borrowing. You can’t make enough money to pay your expenses and the tuition too. The fact of the matter which is indisputable is that you don’t have the money to go to school. Unless you can come up with money, you’ll be taking more than one “gap year”, due to inability to pay
^Since your parents are mentally abusive (and sound quite manipulative, “giving” you a car they then ask you to pay back) I wouldn’t pointlessly irk them by using the term “gap year”. I’d say, plainly, that since you don’t have money to go to college, you are going to earn that money. Have your bags ready to go and in your car when you speak with them since they may not react well. Call your grandma ahead of time to arrange everything, say what you have to say, and go. They decided to cut you off financially. It doesn’t need to be an acrimonious parting but it means they relinquish responsibility for you and your life, thus telling you to take charge, and you’re doing just that. You can even thank them for teaching you independence and self reliance. And those skills tell you you ought to move out to a place where rent/food/utilities will be cheaper for you, so you can save money toward college.
After you’ve spoken with your parents and left for your grandma’s house and look for jobs there. I heard that several big companies (like Walmart, Target…) had increased hourly pay to $11+ and will also contribute to a fund toward college.
Deferring only means that you can enroll next year.
Look at your financial aid award: what are direct net costs (ie., how much do you have to pay the university for tuition, fees, and the commuter meal plan? How much is an estimate for transportation, books, and miscellaneous expenses?)
Can you list that here so we can see how much you’d need to earn to make that college possible next year?
If you provide EFC, stats and state, we can see if there’d be universities with merit scholarships or need based aid making college cheaper than 22K.