I'm not sure how the advanced education system works in Finland but here in the US it costs a lot of money. If you are unsure about what career you want to chose, it may be better, money wise, to take the gap year. Maybe work at a job in the field you are interested in. If that is not a possiblility you should at least visit with some people who do the job you are thinking of going to school for.
"Until one has loved an animal, part of one's soul remains unawakened..."
- Anatole France