If you did not graduate yet, I suggest that you postpone your graduation until you finish your pre-reqs. This way you can get grants and/or subsidized loans if you qualify. I was supposed to graduate this spring. However, since I have to take pre-reqs, I've decided to postpone graduation until next year. Being that I am an independent student with very little income, I am eligible for grants.
Of course this depends on your situation. If you are still considered a dependent student and your household income prevents you from getting grants, then my advice is just graduate and get a job while completing your pre-reqs.
As for going to community colleges, it depends on the schools you're applying to. I know some schools look down on community college credits and some actually do not accept them. So before you take classes at the community college, find out what the schools you're applying think about community college credits.