Here's the thing... You want a solid, "last 90 credits" or so... 80 would probably suffice. So, make your last year count... if you're still in school as a regular UG, DON'T quit!! Get those credits in BEFORE you get a diploma, once you have that piece of paper many schools cut off financial aid. Add a second major or something and start adding in credits, but again, keep the GPA high...