Your best options are 1 or 3.
As to money, it you're old enough to choose and pursue a professional career, then you're old enough to take on your own debt. If your parents have already paid for 4 years of school, then be super grateful and pay for the 5th year yourself. If you're still in your first degree, then it shouldn't be a major issue to take out your own student loan. Go talk to the Fin.Aid office.
also, as Law2Doc said, you're not really non-traditional. Most people here have been out of undergrad for several years or decades, have families, have had other careers, etc. You're still very young and have plenty of time to work things out. So good luck. And fyi, you will likely find more people in your shoes over in the regular pre-allo forum.