Physics Major Seeking Advice: 3-2 or Grad School?

I am currently a rising senior majoring in physics and I am having a hard time deciding between which path to take to engineering. I have been accepted to the 3-2 affiliate, but the school is giving me a hard time about some course credit which may extend the length of the program. This raises a BIG financial concern for me, but also makes me question whether it’s even worth pursuing two BS degrees in that time frame. My other option would be to pursue a master’s in Mech E or Materials Science. I am curious to see if anyone here has any experience with something like this and could offer some insight.