EFC over $70,000 and I might be screwed

If you need that many credits to finish, then I might guess that your GPA isn’t so great. Know that many large companies require a minimum GPA of 3.0. But they get so many applicants that the effective minimum GPA can be much higher.

So, in your case, getting a job might actually help you in the long run. It won’t a glamor job and will probably be with a smaller company that doesn’t have the 3.0 GPA requirement. But will give you a track record that can help offset my assumed lower GPA.

It won’t be easy, but it is doable. I’ve seen it done before.

Good luck to you.

I may have been harsh in my original comment, but it seemed that you needed something to kick start you to devolping a real plan forward.