You need to think about whether you can afford four years of university. Given that you have not yet been able to pay off your first year, it seems unlikely to me that you will be able to afford four years. There isn’t much point in attending two years if you can’t afford to finish.
How did you end up doing last year? I see a post that at one point you were struggling with some of your classes. However, I know that some students struggle at some point during the year and then pull through well at the end and I didn’t see how last year ended for you.
How much do you owe?