lubecki.....I know you mentioned Plymouth Uni......but have you looked into Plymouth College of Art and Design????? it is just across the road from Plymouth uni.. There are also usually 'acess to learning' courses available in the autumn....check with the Council on this.
My feeling is that tho you are young....and have plenty of time as so many here have said....you should always follow your instincts. You may not feel as strongly about this later as you do now. If you feel motivated-then put aside worries about money,because what you do now may lay the foundation for your future career. It is far easier to start something new when you have the drive to do it....no matter what your age.