If you are choosing between SAT and ACT to submit a test score, submit your SAT score which I think will be equivalent to about 35 on the ACT. Your GPA is pretty good and so are your test scores. ECs are a bit weak, and besides the econ club, are pretty generic and varied. You may want to focus on getting involved in ECs that are more related to business and econ. I think you can get into UMich, Stern will be a low reach, and Wharton is a high reach only because of its selectivity and the weakness of your ECs. I do recommend you apply ED if that is your first choice though. Good luck! I would appreciate it if you could chance me back here: http://talk.collegeconfidential.com/what-my-chances/1995754-chance-me-low-gpa-rank-cornell-rice-wash-u-ucla-etc-p1.html Thanks!