College or Work?

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I'm at a crossroads in life right now.

Precursor: I live with family, and I don't pay rent or utilities. I pay for anything I need. I bike everywhere. I used to work at McD. I got most of my money from community college funding (FAFSA) and scholarships.

I'm a Graphic Design major with a 3.5 GPA and I just graduated with an associate's degree from a community college. This degree is NOT in my major, but being used to transfer to a University to get my bachelor's in that major.

So here's the issue:
I have until August 30th to submit my application for admission. I actually attend class sometime in Fall 2018, if I get accepted.

I have $150 after the $55 application fee. To attend I will NEED to take out loans.

For the past 2 months I've been applying for local design jobs, and haven't gotten a call back from any. I visited any I could in person, and applied on all major listing sites like Indeed, Monster, Careerbuilder, etc...
Most jobs in my field require a bachelor's, 2-5 years experience, or the commute is too far.

This week I've expanded my online search to ANY entry-level job.

Do I keep whatever job I get and wait to apply until I have the funds, or do take out the loans and possibly ruin my future?

P.S. Driver's license but no car.
P.P.S. I will live at the on-campus apartments.