You're 20 years old. You're not immature. Throughout life, you will always face such problems.
My logic is do a degree, but one related to being a chef or one that will help you. Being a chef isn't only about cooking.
Or you could do your degree and work in a kitchen in the evenings or when you're free, to get experience. This will be hard.
You still haven't said what subject you're doing.
Whatever you decide, I wish you well.
You will not die if you take a good degree in the next 3 years.
Don't search for "magic solutions" of the problems of life: life IS a problem and you must enjoy this struggle.