Help Me Decide Between Community College Vs Non-Target University Transfer Plan

I am a high school gap year graduate who got rejected from all targets and semi target undergrad schools because of my low GPA (3.6) & 800 SAT.

I plan on transferring to a target.

The only school I got into is the University of Dayton in Ohio, an obvious non-target, but it has a growing IB club with strong sophomore regional bank internships. I’ve done my research and it’s the best school I can get into for investment banking as a freshmen. However, I would have to pay 30K-40K a year to attend and I will have a weaker reason to transfer to target because there are decent resources at the school.

The other option I have is to go to my community college (CC) in FL for 6K a year for 2 years, get a 3.9-4.0 GPA, start my own finance club, volunteer, 1550+ SAT, etc and then give another shot at Targets and Semi-Targets. This issue with this is that I would have to trade a potential freshmen and definitely sophomore internship that I could get at Dayton. The positive is that I would save like 60-70K and I would have a stronger transfer story because I’d be from a CC with low resources rather than a 4-yr university.

Should I go with CC and transfer or the 4-Uni and transfer?

 

If you got an 800 on the SAT, you are well below average in regards to competency. You do not understand basic algebra and critical reading skills. SAT is the the end all be all, but seriously re-evaluate your goals. IB is COMPETITIVE. Be realistic with yourself, keep your head low, and work your ass off - because you clearly didn’t on the SAT. This is not meant to be demeaning; rather, pragmatic. Don’t be disillusioned. That will kill you in the long run

 

For context, pretty much every school is SAT optional these days, which is what I did. So, I had no motivation to actually try. But now I have realized I will have to get a 1550+ so I can transfer, which I have a year to practice for.

AVS
 

I don’t think you get what he’s saying. Not trying to give you too much shit, but an 800 score puts you at the 8th percentile, which means 92% of people did better than you. Not that IB is rocket science or anything, but I would struggle to see how someone with such poor reading and quantitative skills wouldn’t be a massive liability in any group.

 

800 SAT is not due to a lack of motivation. Middle Schoolers who take the PSAT (most without any form of studying and no high school education) get better scores than 800 (adjusted). You're in for a rude awakening. You should be preparing yourself for 12-15hr/day (equivalent to IB WLB) for the next year for you to have a chance at being equivalent to "target school caliber". Hopefully, you use this as a wake-up call and a form of motivation to shoot above, but the odds are immeasurably stacked against you. You should have quite possibly the biggest chip on your shoulder, as I know professionals like me or target school admissions officers will see through your "I didn't try in HS" facade and reject you for sheer incompetence. Just understand the types of ultra-high achievers you're competing against.  

 

I appreciate the reality check from you guys. I think this is what I need from WSO more than anything. I’m going to give everything I can and hopefully I will climb out of this man-hole I’m trapped in and make out it on the Street. However, for anyone else reading this thread and wanting to comment can you please answer the question I have about CC vs Non-target for freshmen year instead of continuing to bang me on the head about my SAT score.

AVS
 

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