DontEvenKnow is a tad harsh in my opinion but he/she does make a few worthwhile points. you see, a lot of asians with stats as good as yours and even better have applied to wharton/columbia and only a certain percentage will get in. i have a friend who applied to wharton ED, hes asian, lives in Pennsylvania, 4.0 GPA, 35 ACT and he took three subject tests including Math 2 and got 800s on them all. He got deferred. Im not saying you dont have a chance of getting in, but its certainly not a low match. i dont agree with DontEvenKnow on your EC’s however and i think that your dedication to finance will make you stand out (my friend who got deferred had no finance EC’s). to give a better gauge to your gpa, it would help to know your course rigor but i will assume you took rigorous courses in my assessment. i would say you probably will get into UMich and you have a decent chance for UChicago. columbia and wharton are gonna have to be reaches though. good luck! chance me back? http://talk.collegeconfidential.com/what-my-chances/1718582-chances-of-getting-into-upenn.html#latest