“I also really do not want to take out loans because I plan on getting my doctorate in the future.”
This is very wise. Given what you have told us, I think that you should avoid loans if you possibly can, and minimize them if you have to take any. I think that @happy1 has a pretty good list of your options in the post above. You might very well end up with a choice of your safety, community college, or a gap year.
If you tell us what your safety is and your intended major then you might get more opinions regarding how good it is.