<p>Pros:
1.  GPA:        3.65 (3.4 as freshman improving to 4.0 as junior)
2.  GMAT:                770
3.  Ethnicity:  Eastern European
4.  Undergrad:  Math/econ major and attend a very top target school for free by having financial aid/multiple outside  scholarships 
5.  Languages:  Spanish, Arabic, native Eastern European language, and English
6.  Work experience: Three summers finance internships - one of the top ten finance companies in the world with asset more than $25 billion.
7.  Recommendations - strong recommendations, very well known professors but who are not eminent 
8.  Leadership experience: Multiple activities/recognized in an activity on national level.
9.  Strong Essays 
10. National level awards in multiple activities.</p>
<p>Problems:
1.  Need lots of $$$$$$$$ in aid to attend school
2.  No family connection in finance/HBS
3.          No URM/girl</p>