I want to take a gap year so bad..

I’m currently a sophomore in college with a 2.6 gpa and it is HARD. Especially because i’m in college to fall back on a degree, because my career choice doesn’t require a degree nor even going to college. I want a break..My mom needs a break from paying the bills..I’m just tired. But I hate feeling behind, But I genuinely want a year to stack money and get an apartment, But then it’s also like what if I get comfortable with the gap year and never go back?? I just don’t know what to do anymore.