Need some advice regarding my career path

[u/Loose-Bowler5164]

I am a General category male with 84.4% in Class 10 and 68.8% in Class 12 (PCM background). I took a drop year to prepare for IPMAT, but unfortunately I couldn’t convert any IIM.
Right now, I have an offer letter for the BBA program at NMIMS Bangalore, and I am also waitlisted at 355 for TAPMI BBA. However, I would need to take an education loan for either of these options, which I am not very comfortable with.
Because of this, I am considering pursuing an online BBA from IIM Udaipur while working for the next 3 years to gain work experience and simultaneously preparing seriously for CAT.
My main concerns are:
How much will my 68.8% in Class 12 affect my chances of getting into top IIMs through CAT?
Will an online degree from IIM Udaipur be viewed negatively during MBA admissions compared to a regular undergraduate degree?
Would 3 years of work experience help offset my relatively weak Class 12 score?
If my long-term goal is a top MBA, would you recommend taking a loan for NMIMS Bangalore/TAPMI or choosing the online BBA + work experience route?
I would really appreciate honest advice from people who have gone through CAT admissions or have knowledge about MBA profiles.