<p>I am a current senior. I agree with everything apathy said. Summer math is quite intense (it really is 10+ hours of math a day, 6 days a week, for 5-6 weeks) but if you can get through it, you do have a bit more leniency in how many credits you have to take each semester.</p>
<p>About a 5 year plan, there are several students each year who are “super seniors” for various reasons. Some people take a semester off and then come back, some just need more time. No one looks down on them at all, everyone knows how much work we have to do and how stressful it can be. I don’t know if it’s an actual 5-year plan though, to graduate you have to fulfill core, Humanities, your major requirements, and get 128 units and as soon as you finish that I think you can graduate, however long it takes (provided you don’t ITR). Financial aid might change as apathy says though.</p>
<p>For first semester classes you definitely don’t need 70% to pass. The whole 10% grade tier system is pretty uncommon at HMC, test averages are generally around 75% for core classes and I think they set that at B-. 40% seems a bit low, but I wouldn’t say much more than 50% (especially for the harder classes).</p>