Too late to break in?

Currently in my 4th year of five in college, almost done with my undergrad and will soon have my master's in accounting. Over the course of these four years, I've grown to love my finance classes much more than the accounting one's. I've recently made it my imperative to try again with IB because of how much I've enjoyed my first valuations course. My first experience with recruiting/networking was as a sophomore but didn't commit because of the lack of diversity (saw maybe 4-5 POC out of 80 bankers that visited), the types of people that I was recruiting with, and how most people only highlighted the shit parts of banking. 

Now that I want to put in a real effort for banking, I feel I've shot myself in the foot waiting so long to make this realization. Should I use those contacts from Sophomore year, and how if so? Obviously I'm planning on reaching out on LinkedIn to anyone who'll listen as well, and explain my case as I have here. My main point of inquisition is should I just wait and try to transition after some career experience - or B school - in a Capital Markets role at PwC, or put myself in a situation of rejecting a full-time offer with PwC to try and find an internship/FT position in IB?