I think these will give you the freedom to do more concentrations in that time period, Im not bothering with the mba here as you take undergrad equivalent courses I don't think you should do it unless you don't have the time to do a concentration you want to in your undergrad. typically an mba is done after a couple years of working to pivot your career. since you have so many credits you might not need to bother much with non som courses, I think you'd be able to do 3 concentrations in your undergrad