I cannot emphasise enough how important it is to get that last exam done. Do not wait too long as failing an exam brings on a mandatory waiting period. I suggest booking the exam for three weeks time and studying at every opportunity. Once the exam is booked you'll be motivated by the deadline and the money you've spent.
I don't know about particular schools in your area but if you've got your money saved up make sure that you find a place that can schedule all your navs in quick succession, you'll likely save money this way and be able to accomplish more.
Get your NVFR while the weather is good, don't wait.
Go get 'em
~FRQ CB