For the last 2 yrs that I know of, UA has offered an EQM requal buy up for people in your situation. My daughter got offered it last year when she was short about 4000 EQM from making 2P. It was hideously expensive once converted to AUD, so I let it slip . As UA earns money from this offer, I wouldnt be surprised if it was offered again !

BTW the amount they were asking for the EQM buy up was way more than what it would cost to do a cheap MR (especially for you, if you are based in the USA). For us in AUST, we cant get the credit cards and there are no cheap, fast MRs available.

Good luck .