I understand from where you're coming: I was also afraid of debt in college. So I didn't borrow. I worked more than was healthy and wise, and I didn't graduate in four years -- but I never borrowed. I was never sure that I wouldn't be forced to take a break from college (because of finances), and I wasn't sure about my ability to pay back a loan if I had to take a break ... so I didn't borrow. I spent every minute of college worried about money.
If I were suddenly 18 years old again in the same financial situation, I would join the military. I would live cheaply and save every penny, and then I'd be ready for college four years later. I never even considered this option when I was 18 because it wasn't something that smart girls did in the 1980s.
If not military, I would take the same path I took: Hard work and stress. It is far superior to dragging out the pain in the form of student loans later.
Having said that, I'll ask the same question other people are asking: Why did you fail the math class? Analyzing this is important because you don't want to repeat the same mistakes.
And the next important question: What do you want to study /what do you want to do with that degree? If you don't have an answer, it's not time for you to go to college.