Let's be clear here: student loans are not income. If you're going into debt to pay for college, that's even more reason that you should wait to go to college.
If your reason for staying in school this year is that you need funds to survive, you'd be much better off trying to find a job. Jobs pay in actual money, not debt. If you're college age and able-bodied, the delivery companies are all understaffed to the point that if you can fill out an application you're probably hired. It's not glamorous but it's better than many situations right now. When my business was floundering last year, I used my truck to haul recycling for local businesses. Sometimes the best option is not very good.
Obviously you know your situation better than I do, and it may be that there are some other reasons why going to school is a better option. But nothing you have said so far indicates that to me.
However, if you go too long, prerequisites start to change, credits start to expire, etc., so even if you're readmitted that can be problematic.
And there's the caveat that Covid may have all sorts of effects in the coming years.
The "just take a gap year" crew are living on a different planet than me. No, a different universe. How do you afford to eat and have a roof over your head while you're learning python from Wikipedia full time?