Financially, it might be better NOT to graduate and to take graduate courses as an official undergrad student. My nephew did this for his masters. He completed all the requirements for his BS in mechanical engineering, but now is in a one year masters program. He gets to take student loans at the undergrad rate (if he wants to, I’m not sure he does), pays the undergrad rate per credit, and still gets the state subsidy ($75 per credit). He also gets all the benefits of being an undergrad (cheaper football tickets!)
If he had decided not to finish the masters program at any time (over the summer or during the year) the school would have just issued his diploma which he earned last May.