I was in the same situation as you previously - I advanced to
JC2 despite my lousy grades (I got USE/E). However in JC2, I worked
really hard so in the end I was able to achieve decent A level
results. I
In your case, you said that you still do not have motivation to
study, even though you are already in JC2 (and it's March). If that
is so, I personally think that you should not waste any more time
in JC. However you need to think very carefully before deciding to
drop out of JC. You still have more than 6 months to A's, you
can choose to put in your best efforts and attempt the A levels,
instead of wasting more time.
I don't think you should appeal to retain. If you do not feel
motivated to study at all, there is no point in repeating a year.
You can consider going poly, but if you're not going to work hard,
you don't even need to think about Uni admission.
Because I'm from a low income family as well, I can understand
your worries with regards to the costs of poly and uni. I will
advise you to fight for a place in the local Uni by working hard
for A's - that is the easiest path to go. Ideally, you should be
focused and be very sure that studies is one of
your priorities. If you really find JC very stressful, to the
extent where you can't feel motivated, then poly could be a better
choice. That said, I'm not saying that poly isn't stressful, but if
you aim to graduate with a diploma & start working, poly
could work for you.