ATCNoob,
Good luck with HR - I can somehow see that they might say that they pay you enough to live, so finances don't count but I don't know! All I do know is that the lady I spoke to was a little fierce and the fact I have a contract is the only thing that got me out of April/May.
Expect July - I don't really think you've got a chance for September/October (I have heard in the past from HR that deferring more than one course isn't acceptable - you should have applied when you knew you were ready they say). Just a warning for anyone else considering when they should apply. It seems to be related to the current economic situation - when before they'd be happy to defer someone for the final year of a degree, now they're just not sure if there'll still be recruitment in a year...
Bloody credit crunch!