Need Advice: Pursuing a BB Summer Analyst Offer

I need some advice. Here’s some context: I am a rising junior at a non-target lower UC school (think Riverside, Merced, etc.) set to graduate in June 2026 with a current GPA of 3.2. I know it’s low. I have accepted a 2025 Winter Audit offer at one of the Big 4 firms. My current work experience includes a Private Wealth Management internship, a Corporate Finance internship at an AI startup (currently ongoing), being the team lead in the Harvard M&A Competition, some sales experience at AT&T, and holding leadership roles in several on-campus organizations.

My ultimate goal is to work at Goldman Sachs in their Investment Banking division. Any BB offer would be amazing, but Goldman is my top choice. The issue is that I don't have an Investment Banking offer at any BB, EB, or MM bank for my junior year (2025 Summer), and it’s getting too late to find banks still recruiting for 2025. However, I am not losing hope and am doing everything I can to obtain an IB offer for next summer at any bank.

Realistically, getting an internship at Goldman this late in the recruitment season and being from a non-target school is unlikely. Therefore, my plan is to delay my graduation by one quarter, graduating in December 2026 instead of June 2026, so I can apply early this time for the 2026 summer analyst programs this upcoming Jan-Feb. My reasoning is that Goldman and other BBs only offer their summer analyst programs to students who will be returning to school after the internship program ends. If I try to apply for their internships for 2026 summer, I won't be eligible since I would graduate in June/2026 and wont be returning to school after their program ends. However, if I do my Big 4 internship this winter and take the school quarter off, delaying my graduation to December 2026, I will be eligible to apply for their internships for summer 2026. Is this a good plan?