Chance/match a stressed out junior with a "messy" application (3.76 gpa, southern state, 1560 SAT, cog sci major)

NMF > CBNRP in terms of number and size of scholarships that colleges give. The CBNRP that you have should be mentioned to any college that does have CBNRP scholarships.

There is an alternate entry for NMF if you could not take the PSAT, though I do not know if it is realistic now (you may want to check).

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