Submitting Apps Early
I would recommend submitting your applications as soon as they're complete, even if you're slightly below 90 credit hours. It can't hurt, if they don't like it they won't interview you. It puts your name out there and you may get an interview out of it. Just make sure your application is complete with all scores, etc. If it's not, it'll make you look like you can't understand simple directions. Good luck.
Flaco