Definitely take the final. And yes even study for it. It is easy to get overwhelmed as an adult student, sometimes other life responsibilities can make it difficult to study. You don't say how many hours you're trying to carry but, I would also try to retake the course when I can take it alone. That way you'll be able to really concentrate on what is a difficult course for you.
Hang in there..........it's worth it. I got my B.S. at the age of 43. No regrets.