I have NO idea. The college I went to for undergrad only let you take time off in very specific circumstances. A large state school probably has no policy regarding this and I know the state school I go to now couldn't care less what you do. If you're going to a small private school, plan your studying around the summer. Take a full or slightly lighter load in the spring and start doing content review as possible, then use the summer to take the MCAT. If you do it over your Junior summer and you're determined to go straight to medical school after college, it could make you a slightly later applicant. In that case, you might want to consider taking a year off and focusing JUST on the MCAT your Junior summer, then applying during your senior year. Honestly, secondaries really are like a full time job, so trying to cram the MCAT and secondaries into one summer is a recipe for disaster.
You still have time to think through all of this, so consider all your options and see what is available. Also ask the other pre-meds at your school to see what they are doing. But don't ask just anyone. Try to find someone who had a successful MCAT score. I've found that 99% of the pre-meds at the school I am currently attending are completely clueless.