Do whatever it takes to maintain as high a GPA as possible. You are still a freshman, so it's absolutely fine to "ease your way into it" to make sure you can handle the courseload. As long as you are a full-time student, it's fine. Taking a lighter load will also let you do more extracurriculars. Just keep your sGPA as high as possible.
Regarding money: as you are still a freshman, you do have some time, and your sGPA is obviously great. There are lots of options. First, many schools have fee assistance programs if you come from a disadvantaged background. Second, you should look at things like TA or resident advisor opportunities. They look great on your application, and are an easy way to pick up some money (or free room & board, which is essentially money you didn't have to spend). Finally, many labs pay research assistants well ($10+ an hour), so you'd not only have a job but get research exposure. Many of these programs go through work-study...so check with your school's financial aid / student employment office.
I'm not saying that you shouldn't take a year off, but since you are starting out early and have a lot of fee options (and plus a good GPA, especially given your current choices for med schools), I don't think you -need- to take the gap year. If you are solely taking the gap year for financial issues, I'd say get a loan if necessary or start saving up now. One year of attending salary on the other end ($150k+) will easily trump even a $10k loan. Taking the year off to improve your application is another story. Things will become clearer as you move along in the process, but for now just keep up the good work!