Disclaimer - I just turned 20 and am in my second year at university.
A year out is probably the best option as long as you have going to university being the end goal, alot of people take a "year out" go on the dole (I think the American equivalent is social security, free money when you can't get a job) and never bother going to uni.
If you are serious about going to uni check what their on-site student support is like, for instance my university (University of Ulster) makes a big deal about mental health and will set you up with therapy and give you extra time on deadlines to accommodate you.
Going to university is a big step but also a great place to meet people and have fun, having psychological problems their would greatly reduce the amount of fun you have and how much you learn.
My honest advice would be to take the year out and get yourself into a head where you can make the most of it, a year wont get you left behind and will let you see how your friends are finding it.
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