What would you do (transferring to a target in Canada)?

Hey everyone! I am an incoming junior who went to a non-target for my first two years. I recently was accepted to the top 2 business schools for finance in my country (Ivey and Smith at Queens) as a transfer. I have only come around to being super interested in investment banking specifically recently - which means I have missed most of recruiting and networking for summer 2024. I want to have a shot at recruiting season at one of these schools, so I have considered taking an extra year at the school I choose. However, the issue is Ivey does not allow you to take an extra year, but Queens does. I would put Ivey above Queens in terms of quality of school, and if I am picking off just what would be the best school to have on my resume I would take Ivey, but taking an extra year in school feels attractive, and I can only do that at Queens. I would really like to hear what you guys would do? For background, I have top grades from my past school and have interned at a hedge fund in Toronto for the past two summers, the money I will spend on either is pretty similar! I thank you so much in advance for assisting a teenager entrenched in an existential crisis without much guidance!