i havent seen a credit ceiling yet, but most state at most two years. that would be an option, but im not sure what classes i would even take beyond an associates, i suppose thats an option id have to discuss with an advisor.
my target school notes that a high school transcript is not required for applying once two years have passed since graduation, so perhaps i could hail mary apply after i complete my first year (and associates), and if i dont get in i can take that option and reapply again next year.