I am 2018 graduate with following credentials

Hello Guys! Need genuine advice

I am 2018 graduate with following credentials

Step1- 226

Step2 ck- 228

Step2 Cs- Failed

USCE- 3 months. 2 LORs so far. Hopeful to get 1-2 more till Oct 21.

I will be applying through one of the pathway if I decide to apply this year.

Let me share what i think I should apply this year

-This year match is going to be very unpredictable because people are stuck with their step1 and ck because of closure of prometric centers. So I think I should apply

  • Secondly, if the above point is valid, next year match is going to be very competitive, with these credentials, it will be difficult to get IVs.

What I think I should not apply this year because

-Firstly, I am not financially very stable I would like to play one match with full preparation. If I apply and did not match this year, next year, if cs resumes I have to take cs and all that traveling and expenses and applying again would be harder for me.

-Secondly, if I work on my cv this year and apply next year with better looking cv to cover below average scores and cs attempt.

Its almost the time to decide, I have no clue what to do. Aiming for IM

Please give me your suggestions. Thank you