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ANYONE?
Yes it will be a problem, most people at least will have a PWM or industry internship. You'll need to network hard.
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High GPA is worth nothing if you don't have experience... There are plenty of opportunities... just make sure that you also apply for off campus jobs... It will be harder for you to get an offer through OCR unless you get lucky or you network... Just work hard...
So is it not worth going to a target that will put me in debt?
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So if you don't go to a target school, you will shine and will find the job of your dream? If so, don't do it.
It's totally up to you to decide what's best for you.
transfer to the target as a junior. then delay graduation 1 semester (extra ~20k) so you're a sophomore. then get a bs internship during the year and hustle hard for pwm or anything for the summer. then find a fall internship as well and you'll be good for junior recruiting.
in addition, if you're at a middle of nowhere type school just do research assistant type jobs with finance professors etc. but definitely delay graduation.
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DO NOT listen to this. If you follow the above, you aren't guaranteed anything except another 20k in debt. You should not look at it as -20k + 110k IB salary = profit. IB is so competitive you might not even land the job even with extra time. They gave naive advice imo, but they are correct in that you will have a greater chance (but NO guarantee) getting in with delayed graduation.
Just try to pick up internships in your school area. If you make very good progress in terms of internships, networking, etc. and your are ABSOLUTELY sure you want to do IB, you can then decide if incurring 20k in debt is worth it.
20k + opportunity cost of 1 semester worth of salary is still a lot of cash, especially if you fail to break into the industry.
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think it through more?
figure out a safe backup career and how much the average first year makes, can that cover the 40k?. How far are you behind the markets / finance? How many credits your missing and estimate the amount of studying needed. How much you need to study outside of school? time you need work outside of school? what kind of part-time jobs can you take to make money and study at the same time (librarian and IT jobs are good for that).
This is one of those big moments you really need to sit down and think. Talk to your family. Talk to some bankers and see if you can really handle it. How strong exactly is your target's recruiting?
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