lost, what should i do

So, I am a junior math/physics double major.. going to a non-target college.. international student.. was thinking about grad school until recently.. so, I almost have zero financial experience.. and I did summer science research for the past 2 summers.. my gpa is only okay (3.6 right now).. I am not good at programming.. I guess my resume is OK, with one leadership position..

what do you guys think I should do to break into IB? What division do I have the best chance given my background?

Thanks a lot.

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