What do you think I should do?

I'm a junior at a university and last semester was not my best. Because of it now i don't qualify for any financial aid this year. Do you think it would be best for me to take a semester off and just work to be able to pay for spring semester? or should i at least take 1 or 2 classes? The thing is that if I do decide to take some classes, I will have to take out some loans because i am not currently working (i have been looking for one for a while with no luck). Any advice?