opinions needed

I've been seriously burnt out on school for some time now, but can't drop out and get a real full time job due to student loans that I wouldn't be able to repay unless I have a degree, so I'd like some input from people who know me, and everyone else for that matter, on what I should/could do.

Since coming to the school I'm at now, I'm a bio major (pre vet) and classics minor. I really love biology, and it makes a lot of sense to me, which is one of the reasons I chose that as my major. But the horrible grades I'm getting in calc and organic chem are seriously discouraging. Its a combination of uninspired professors who would rather be researching, and my total desolation when faced with studying for these subjects. I don't HAVE to take calc, I only did because I was advised incorrectly, but I do HAVE to take organic chem.

Here's the dilemma. I can take survey of organic chem, which is significantly easier. But, I'd haveta change my concentration from pre vet to zoology. I want to be a vet, I think I'd love doing it. But I am so burnt out on school. If I could drop out right now, I would. I am just not engaged in school anymore, and that depresses me, because I used to love and look forward to class. I showed up once in high school with pnuemonia and a temp of 103, and I didn't even have a test that day. Now if I wake up late, I don't even bother.

So, if I stick out the next year and a half but change my concentration, I would be qualified to curate a zoo/nature center/museum, work for the DNR *gasp*, that kind of thing.

Or I can just take orgo over and over again til I get a C. And take a long break between bachelor's and vet school lol.

Or, I can drop out and declare bankruptcy.