You have it right. If I could go back to your position, I would skip going to college too. I was under the hypnosis like many of us believed, that you MUST go to college as soon as possible and MUST take out loans because a JOB is GUARANTEED when you get out. I quickly found all of that to be lies. Work for a year, read and understand what 'really' happens in this world, find out what you are good at and want to do. You may choose to go to college in a few years and that is fine, because by then you will probably be more mature and wiser than most incoming freshmen or even seniors.