OP can do whatever he wants. If PSU main campus is your dream school go for it. Apply and see what happens.
My point is that OP wants to major in Business. Smeal is a competitive admit after sophomore year. You’ll need a 3.2 for most business majors. Finance is a 3.5 or higher.
OP’s HS stats are bottom quartile. He’ll be competing for admission into the business school against kids whose stats were higher, much higher. What happens if he doesn’t meet the requirements? Will OP be happy to change majors to Econ or something else? If not, he’ll have to transfer schools.