I'm heartbroken, can't go to uni most likely😭😭😭

Ok, so long story short. I can't go to uni this year because can't afford paying intl fees at all. Now I wanted to know that how does applying work after a gap yr my avg rn is 93-95 and the first sem finals were similar. I've carried a lot for days over this alone but my parents don't understand that at all. Now the problem is it's possible that I might not be able to go to uni for even 3 yrs(hopefully not)

But how much would I be able to safe in a yr if I do a job. No one understands and nor can anyone understand with what I'm going through rn. I'm actually heartbroken and devastated, everyone in my school thinks that I'm off to Mac master, uoft Waterloo or some prestigious school since my marks are so high. But rnI've no fucking idea on anything.

Also is there a way to pay uni fee in Installments. Like pay how much you can and then do installments. I'm literally suicidal and rlly rlly sad due to everything and acting in front of literally everyone and even my closest friend that I'm going to uni.