Apply for FAFSA and go for a grad degree. Same money, less stress, looks good on app, chance to increase GPA, better schedule...I could go on.
Plus, a masters degree (in any field, but even in psych) will give you many more job opportunities than a bachelors in psych, especially if there comes a point in time where you need to reapply or you decide to take time off from applying.
If you need clinical experience, shadow or volunteer during your non-study time.
I worked while I was in my last semester of undergrad and then for about 6 months after I graduated. It was clinical work and I had my EMT cert which helped me get the job. All in all, I was beyond lucky finding this particular job. My advice? Unless you can find a job that you LOVE, it would probably be more beneficial to you and your app if you started another degree. Worst case, financially speaking, you get a part-time job to assist with loans.
I'm going for my masters now, so despite how much I enjoyed my job, loved my pay and would have liked to continue working, this is a much better decision for me. I have a relaxed lifestyle, nearly the same "income" from loans, I get to add an MS degree to my credentials and I get to prep for med school. Not to mention, travelling for interviews would have been difficult had I been on a schedule at work.
This would definitely be a good option too if you wanted to improve your app and get some great experience:
Just some input coming from a guy who was in similar shoes.