For example if you have a 3.85 GPA but in your freshman year you got a C, a W (withdraw), and a D in a no-credit class. Do employers actually care about this stuff even if you have a decent GPA?

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The 3.85 gpa will far outweigh the mess from freshman year. They'll look at your transcript primarily to see how you did in the classes that are most relevant (math, finance, econ). The W and D in particular will stand out, but if you've done well in the relevant classes, the freshman debacle shouldn't keep you from getting serious consideration for an interview.

You can include a note in your application explaining what happened freshman year, and you should expect to have to explain what happened in any interviews.

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