I didn't just take a year off to jerk off and watch anime ;\
This is what I did.
I paid it from the money from a premature inheritance from my grand dad. However, where there is a will there is a way. I don't think a lack of money should stop you from your year off. There's plenty of opportunities where you can combine work and travel and fun. A friend of mine I made in Norway is completely broke. He's buying a one way ticket to Australia, has a lead for a job for 2 weeks and will then just go where the wind blows him.
Anyways, my point is not to talk about technicalities. I am trying to tell you guys how valuable a year off can be. It has changed me as a person, it has changed how I think about things, how I approach things, how I stand toward other people. I can honestly say that this year has been the year where I've learned the most. More than any other school year.
Getting to know yourself is priceless.