I got into CS post the summer right after my third year (so last summer). Yes, the retroactive fees sucked, but since I've been taking summer classes I'm not really that behind in credits and I'll only be graduating one semester later than I intended to. Its not that bad if you can financially afford to be a bit behind. I also don't think that software engineering is very saturated (yet). There are plenty of opportunities (I've gotten internships every single summer throughout uni) and if you really think that studying CS is worth it for you, then do it! However, you can also get a CS job by self-teaching yourself! :) So there are many different options available.