Should I delay transferring?

As transfer applications are due in the upcoming three months, I am frantic from the pressure of my family and community—I wanted to seek an outside perspective into my situation.

I graduated from CC unintentionally last Fall. I was missing a math requirement needed for graduation and program prerequisite to my top transfer choice, but a counselor used a loophole that qualified a Philosophy course I took as a fulfilling the requirement. No longer qualifying for FA, I graduated.

Without FA, school isn’t affordable. Ideally I would take two courses to transfer as a junior, but $720 is out of my budget.

So, I could apply to transfer for the fall 2016 semester and go with the best school + FA offer I get. Or, I could delay transferring until 2017, taking the courses I need in the fall when I have the money.

Should I delay transferring until next year or put forth my best effort to the colleges I can apply to now?

(As I can not take courses, I am applying to jobs now. My previous part-time job paid ~$700-750 a month. I was barely getting by, but with six courses, volunteer work, research, tutoring and my online job, it was all I could manage.)

Is it not possible to edit or should I put on my glasses… (EDIT: I see now. I only have 15 minutes to do so…)

Clarifying: The math course is Statistics. I did need to re-do my COMPASS placement test to be able to enroll, which is why I delayed it to the last semester. Any Math 25 course and higher OR the Philosophy course I took (Logic) fulfilled the “quantitative reasoning” requirement, based on either an updated degree requirement.

I am not sure this course will fly in other colleges as, say, “mathematical concepts and quantitative reasoning.”

If you have some colleges in mind to apply to, do it now unless they categorically state that they will not consider you because of that missing course. My guess is that it won’t be a problem.

Thanks for the advice! I do have colleges that do and do not care, and have spoken with a few admissions officers. They said that if accepted, they’d have me finish the course in the summer. It’s more expensive then, but I got a call for a contract job with excellent pay and now I feel pretty set.

Hoping for some acceptances that aren’t NYU this time around!