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.

Get busy living
 

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