I had a hard time straight out of highschool because I didn't have the work ethic, and when I got word that I was under threat of loosing my financial aid I learned I had to shape up. I also learned I couldn't take the full work-load and needed to re-evaluate.

Community Colleges do - or should - support part-time learning. If pressure is an issue for you, or financial matters in simply surviving I would take that route. That way you get only how much you can take without loosing your mind, wallet, or financial independence to the banks because loans. The only issue here is that you become like me, trapped in eternal education. Or you're there for longer than your program was to survive when you started so they actually kill the program out from under you and you don't learn until you repair your standing enough to re-apply for financial aid.