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Don't be discouraged, you have a really good background, with exposure to all of the relevant fields. I would say that you should take a class in calculus-based probability, and if you have already done so, take stochastic processes. Why graduate in December? Try to stay an extra semester to...

What kind of work options do you have? Have you had job offers, or will you need to find work? This decision really depends on your personal situation and how risk averse you are. No matter what, an extra degree will make you a more desirable candidate in the future job market. And if you...