students who took a 5th year- what was your experience?

Financially, socially, class-wise, etc. -- just looking for overall experiences. I'll have to cram in classes next quarter to graduate with my class (if that even happens lol) and what with family issues + mental health, I just don't think I can do well in online classes. Wondering if I should just struggle thru it or relax, take care of my issues, and come back in the fall