Many people pick a community college because it is close to their home and they get instate rates and can live at home, so it saves a lot of money. Students also pick cc’s because they don’t really have a strong sense of their major or what they want to do, so they take the core classes that will transfer to many different schools and majors.
That doesn’t seem to apply to you. You can’t live at home or get instate tuition to save money.
Do the gap year and reassess where you want to go and what you can afford.