A few things:
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I would not recommend applying to all T20 schools plus UMich and UTAustin. Find the ones that feel like a good fit for you. You don’t want to spread yourself too thin on applications…a number of the T20 schools will have 7-8 supplements you need to complete…so you could be looking at 140+ supplements to apply to them all. Quality would be likely to suffer and with these schools being so competitive/rejective, you really want to make your responses as individualized to the schools as possible. And don’t forget that you’ll still have your full courseload and school activities to be completing at the same time as doing these apps.
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Make sure you would be happy to enroll and attend your safety schools and that they are true safeties (i.e. extremely likely to admit you and be affordable). When most of the schools you’re planning to apply to accept fewer than 20% (and generally, far fewer), odds are that you will be attending a safety. (Not a guarantee, but that’s what the odds indicate, even though you’ve built an amazing profile as a high school student.)
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Think about your own personal makeup in terms of how you handle rejection (which you may not have much experience with considering what a strong applicant you are). For some people, rejection serves as a fuel to make them even more amazing where they land as they try to prove to the rejectors what a big mistake they made by rejecting them. For people like this, it can be a reasonable choice to have a very reach-heavy list. For many, however, rejection can be a big mental and emotional blow. I find that most people tend to do better with more acceptances than rejections, but this very much depends on the individual. So I would think about this issue and talk with trusted people who know you well when deciding how to balance your college list amongst reaches/targets/safeties.
Use your guidance counselors! They are best placed to chance you as they know your school and its history (long-term and recent…and for many “feeder” schools, recent history has been different than the long-term history).
It sounds like IU-Kelley is one of your safeties, and it’s a great option, if you’d be happy to attend. I suspect that SMU would be a likely admit, though I don’t know (as in I’m not doubting, I just don’t know) whether an admit to Cox is likely.
You may want to find some schools that aren’t necessarily high reaches that reject 90% of strong applicants plus safeties. Below are some possible schools to consider, several of which are reputed to hit above their weight in the world of investment banking, if that’s an interest of yours:
- Fairfield (CT): About 5k undergrads
- Providence (RI): About 4200 undergrads
- College of the Holy Cross (MA): About 3k undergrads