Two points - are you American? "year eleven" doesn't sound familiar, but I'm not sure where you're writing from. I'm under the vague impression that Americans are really more into *everyone* going to college than are other nations, so if you're a Brit, for instance, maybe your plan is more sensible than it appears to Americans.
But apart from that - if you would like to study arts and literature and philosophy, jump on university with both feet. It's wonderful, it's nothing like school as you've experienced it before. Do whatever you can to get in, and don't worry about making your degree relate to your future job. Most don't. This is your one chance to *not* work for a living, to at least flirt with 'living the life of the mind.' If you have any interest in things intellectual, it's a crime to skip college.
Practically speaking, if you are American, student loans are low-interest, and a college degree is still worth something. But don't look at it as a purely financial transaction. Higher education is a chance to do things we otherwise wouldn't do. We work soon enough, don't be in too much of a hurry to start a career.
My apologies if I've completely misread the situation. I hated school but I loved college, and I'm a bit passionate about the whole thing. Possibly trying to justify my low-interest but still-annoying student loans