Prospective IB in an Odd Situation (Urgent-ish)

Hi, I'm a sophomore at a total non-target school who's interested in primarily IB but I'm also considering PE, AM, RE, and consulting. I'm currently applying to transfer to targets and semi-targets. I'm a decently competitive candidate but I'm worried that I won't get into the schools I'd like to attend.
In the event that I don't get into my schools of choice, should I just go to the best school I can and just grind and pray that I get lucky? I know an MBA at a top school is an option but I'd rather start in IB right after undergrad than wait 3-5 years. Would you recommend a 1 year MSF at a top school instead?

This is where the odd part comes in. I'll be graduating from college at 20 years old. I'm 2 years ahead of my peers who are currently seniors in High School. I suppose this means I can afford to be more patient with my education than most, but it also goes against why I'm even 2 years ahead in the first place. While I do well in school, I find it incredibly boring and would like to do something in the real world as early as possible and so I fast-tracked my education accordingly.
Thank you in advance for your responses.