Hi Yuko,
I'm glad that your classes are going well and you like school. But you have a difficult decision to make about next year. (1) On the one hand, getting a student loan makes sense. If you do that, you won't interrupt your studies and you won't miss your friends. (2) On the other hand, you'll have a loan that you have to pay back.
(3) However, if you leave school to work for a year, you will get some work experience. (4) And also, if you have work experience, you will have something to put on your résumé. So, (5) on the whole, I think you should take a year off from school to work and earn money.