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When I mention my safeties to her (U of A & Arizona State), she straight up says "We're not applying to those schools. You don't need any safeties." Yet and still, I keep trying to explain to her that I have a measly 3.4 GPA, and she seems to think that since I'm an URM (African American), I have an automatic "in" anywhere I apply.
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The cardinal rule of CC is Love thy safety. A true safety is a school where you stand a good chance if admitted, you are happy to attend and is a financially feasible option for your family. You and your mom need to take a bottoms up approach to selecting your schools.
Choose a safety (if you choose well, you only need one), preferably something either EA or rolling admissions, so that you have something under your belt. After that, apply where ever you want. But keep in mind, when it comes to URMs and AA males are woefully under represented, you may get a wink on your scores, but your GPA is representative of the work you have done on a day to day basis during your 4 years of high school.
Don't take the URM thing for granted because it doesn't give you a pass and it does not mean that you get to bring anything less than your "A" game to the table. There are many out there who are kicking butt and taking names who will have comprable scores but higher gpas that will knock you out of the box.