Decline for and reapply next year?

I applied to a professional program that I had been striving for in my undergrad, at a top school, but I've since felt overwhelmed with how to pay for it and incurring so much debt. I think I should wait a year so get into a better place finically. I;ve become so anxious, thinking I've ruined my opportunity with this school if I don't go.

I am considering withdrawing my application, but I'm very worried about how it might hurt me in the future when I reapply. Or I may wait but need to decline if I am accepted, and reapply the following year. I feel like both will hurt my chances in the future. How will admissions consider me the second time?