TooOld, your numbers seem to be very much an outlier from most of MSU’s accepted students. From MSU’s common data set 14-15, 15.9% of students scored above a 30 on the ACT. Less than 5% of admitted students had a GPA below 3.0 and nearly half (44.7%) had a GPA of 3.75 or higher. http://opb.msu.edu/institution/documents/CDS_2014-2015.pdf
Will I argue that the stats of admitted MSU students are as high as Michigan’s? Of course not. But your school’s Navient is definitely not representative.