Apply This Summer or Take a Year Off?

I am currently a second semester junior and I have a science GPA of 3.15 and an overall GPA of 3.25. I have 120 hours in a sub acute hospital setting and 40 from a private oupatient setting. I have not taken physics or my GRE yet, but as of now I plan on doing both over the summer (physics at a local community college by home).

My question is whether I should apply this summer or take a year off after I graduate in hopes that my senior year GPA will boost me up enough to be a more competitive...

Apply This Summer or Take a Year Off?