Suit yourself, I guess. When I broached the question with various financial aid officers about getting additional scholarships after the first year, I always got the same answer: "Sometimes, for someone really special." I got the distinct impression the lion's share of the money went to people before they matriculated; after you've entered, good luck.
I do have to ask, though: if you cannot get a grant or scholarship after the first year, are you comfortable with leaving school with three years' of debt, not just one? It kind of sounds like you're already in dire straits financially, and all that debt waiting for you when you get out won't help if you have trouble finding a job.