I'm also amidst the application process, so I'm no expert, but it seems to be generally preferred by schools that you submit your scores within the deadline. I would recommend retaking sooner, but if January is your only option, you can send your scores to schools late as long as you give them an explanation. Again, I'm also just a prospective student, so take this with a grain of salt.
Replies to: When to send SSAt Scores?
(And good luck!)