Your group will determine most of your oncycle opportunities - that said even from a top group I wouldn't go into oncycle saying "MF or nothing" with a 3.6.

Look at your group's historical exits as a "range" and maybe discount the top 20% given your GPA is a bit lower. 

There are always funds that only want a 3.9, but with the way oncycle is you cant interview for everything anyway. Just be realistic about what you tell HHs you're looking for

 

Would having a hard major be a good understandable reason for a low GPA to HH?

 

3.5 at a MF here. Did on-cycle and got multiple MF interviews. Was coming from a well-respected group at a BB

 

From my experience and that of friends that have gone through various interview processes, I think you are totally fine. Sure, there may be opportunities you won't be getting interviews for, but I would say that your banking group matters much more. In addition, I think HH / firms are looking at the qualities of the overall candidate and not just GPA (although an important metric they will track). I personally know and have seen people land at top UMMs / MFs with GPAs of 3.5 or below. That being said, they usually have other desirable qualities that I think make up for it (e.g., top banking program, top target school, tough major, involvement in clubs, athlete, etc.).

 

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