I worked full time throughout most of my gap year. Not super exciting, but it allowed me to fund a good portion of my coaching/training as well as application fees. If you have not had any training, even just voice lessons makes a big difference! A lot of summer programs and even some performing arts training studios and college coaches have scholarships.
Even just a year to practice on your own as well as grow and mature can help a lot (half the reason I have been successful is because I had the confidence to truly “own it” in the audition room - last year I barely would have been able to keep myself from shaking) It can also give you the time to craft a smart college list that fits your strengths and is well balanced (including a non audition safety!)
However if a gap year truly isn’t possible, please know that you don’t need a BFA in MT to have a successful career. You can attend a local school and major in something completely unrelated, participate in shows and take dance/acting electives. At many colleges it’s also possible to get high quality vocal training for a relatively cheap cost through the music school. Don’t let an alternative path deter you from pursuing your passion:)