Yes, you have gotten my situation right. I am a sophomore that has 26 credits and I am eligible to graduate (as a public school kid). I have already applied to the colleges but technically, I can still back out and continue on with junior year if I don’t really get into the college that I want to (SMU). Really, this is a tentative graduation and if it doesn’t work out, my parents and I have already decided we will wait another year (especially if the merit aid isn’t wonderful). I really appreciate the advice, really! 
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