GPA or Staying Another Year

Put things in perspective. Your going to spend another 40K+ to raise your GPA by .2 for the slim chance of landing a FT job in a very competitive market. Focus on spreading your net. If your dead set on banking go for a MSF but sometimes it's best to cut your losses and look for something else.

Go through recruiting for full time and if you land an offer then graduate. If you don't, reevaluate this next spring, staying longer will give you another shot at recruiting and the economy may look a bit different (speculative....). Penn is very expensive and you're gambling that (1) you'll actualy get the grades and (2) you'll land a job: it could very well be worth it, but I'd make a serious effort to avoid staying longer.

There's always grad school....there are many 2-3 semester programs...and it is a nice fresh start (kind of). Though being a math major is no joke, so hopefully that is taken into account