Can't the credit problem just be solved be picking up a second major? I don't actually know, I'm asking.
On the other hand, it's prolonging college and paying more money when the whole point is to use baseball to try and subsidize the costs.
If your son will enter college as essentially a sophomore, and he performs well at a D2/D3 he could use his remaining eligibility at a D1 grad program if he continues to progress. Our program has had 1 or 2 grad transfers a year for the past few years that came from D2/3s