I decided to just apply PT and see what happens. I obviously have a much better shot, statistically. Also, I talked to admissions and they said if I get in and want to switch to FT, I can just take two summer courses after the first year and then join in with the 2Ls in the fall. Seems pretty reasonable. If I do end up going there, I can just work a bit during my first year of PT and try to be slightly less in debt.