DO IT!!! It is definitely not too late. I completed my post-bacc work in 3 semesters which in the long run is not very long if it's something you really want to do. I would say take the leveling courses back home to save money, unless you will be able to put in 100% where you are currently. You're going to want to aim for A's in all if not most of your classes so being home and not having to work about work will be nice. Also, you can save your money for when you are in grad school and REALLY cannot work a ton. The admissions process IS daunting, and it is a b**ch, but you can get through it and it will totally be worth it. Sincerely, a grad student avoiding studying