Does your high school offer the option to stay in high school for an additional year but take multiple classes at a nearby community college? Do you have Dual Enrollment classes available to you?
This might allow you to get physically out of the high school for at least some classes, and get some college credit, and might be more affordable compared to jumping right into an out of state university a year early.
Social work is not a highly paying profession. You should try quite hard to avoid debt for your bachelor’s degree if you possibly can.
I also wonder whether you should consider taking a gap year. Could you volunteer for a year at a local organization which is involved in social work?