I'm in my senior year of college. I seriously considered doing exactly what you're suggesting.

I would much rather just suck it up and enter the workforce at this point. I don't know what I'd do with myself for the year, and I don't have enough credits to speedrun my degree in the spring. There's also some conflicting information about if I would keep my financial aid. I haven't taken the time to dig into it, because at that point I decided it wasn't worth it.