If you can afford Temple or Spelman – without huge loans – then you should go to one of them. Same with Miami and Lehigh, if you get off their waitlist. Only take a gap year if you cannot afford college now.
There is a reason that your applications were rejected by the best schools. So, you need to forget about them now. If you do great at college, you can get a masters at almost any university. Besides, high income has more to do with your efforts than with your college. See the link @emerson2105 (post #35)