Colleges will reopen. The classes will probably be some online and some in person. There is just too much money at stake.
There will be “best management practices” that colleges will follow. There will be masks and social distancing. There will be outbreaks. There will be kids quarantined or banned from campus. Some schools will handle it better than others.
If you don’t like the situation you can stay home, but it won’t be a gap year.