Need input - RUSH or RELAX? (non-target now vs chance at semi-target)

Alright,

Options:

(1) RUSH: I can go right now to complete non-target (this would rush me on the BBA Finance/Accounting from a tier-3 university)

(2) RELAX: I can take "an extra year" with additional courses to significantly boost my university application average and go to a "semi-target"

I will also have a lot of free time and I will have the budget for Wall Street Prep and some MMA training.

so.. Rush... or... Relax? ******Rush to non-target uni vs. take a year to polish my application, get credentials, train hard, and network******

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