Junior in college looking for some help?

I am going into my junior year of college. By this time, I should have about 60 credits already. I have 49. Last semester, I really messed up. I take full responsibility for that. I received 2 D's, C-, C, and B. That brought my semester GPA to a 1.74. My overall GPA went from a 3.109 to a 2.690. I understand that I am only halfway through my college career so far, but I am trying to figure out if it would be a smart idea on planning on a 5th year already. To try to make up for missing credits, the last two semesters I have tried taking 6 cles instead of 5, and both times, this has ended awfully. Summer cles are very expensive, and I work full time in the summer. Another factor to look at is that I am currently an RA (Resident istant) and being at school for an extra year may allow for further advancement, ie. becoming an ARD (istant Resident Director) or RD (Resident Director). I am so confused, and have just recently gotten ahold of my advisor to try to figure all of this out. Any ideas? Thanks so much!