Just my opinions, but I agree with a previous poster saying that you have a lot of reaches for your stats.
-University of Michigan-high high reach, especially out of state. With no hooks, you likely won’t be accepted.
-Indiana University(Bloomington)- I think you have a good chance for IU with your act score!
-Ohio State University- I don’t know a ton about OSU, but I know at least two of my friends have gotten in with stats similar to yours. (One had a GPA slightly higher, but lower scores, and the other had very close to yours)
-Boston College-same as Michigan, not likely gonna happen. You’re act is in their range, but they have thousands of applicant with that act and higher who also have a 4.0. Your GPA is just too low.
-UT-Austin-don’t know anything about.
-Northeastern University- same answer as Boston College and U of Michigan
-SMU-don’t know anything about it
-NYU- it’s going to be a reach, but I think it would be worth your applying since you said you went to a competitive high school in state for two years. The only thing with NYU is that you have to be able to pay for it. Their cost of attendance is around $60k a year and they are notorious for giving very little financial aid. So you have to decide if a finance degree is worth that much.
-UCLA- high reach, but you’re instate so they may help a little, but with your GPA its definitely a long shot.
-UCSB- same response as UCLA
-Boston University- same response as BC and northeastern
-Cal Poly San Luis Obispo don’t know enough about
-U of Illinois-Urbana Champlain-I think you could definitely have a chance here! Apply! You’re ACT might be able to make up for your GPA. Write a glowing essay and I think you’ll have a shot.
Some schools I would recommend for you to look into:
Bentley University: it is in Witham, MA and is close to Boston. They are well known for finance! Your GPA is slightly under their average, but your ACT is above! I think this could be a really good match for you (not a safety though). It’s in the area you want, and they are well known for the major you want.
University of Denver: Denver, CO
They are known for financing. Again, your GPA is slightly below their average, but your scores are above, and might be enough to get you in.
I think these would both be good for you, I also think Indiana University, Ohio state, U of Illinois- UC could be possible acceptances!
I think NYU, UCLA, and UCSB could be good reaches for you to apply to. Not saying you have a great chance at them, but because you were in state at one point or another might help. I don’t think applying to all of the reach schools that you have on your list is going to do you any good. You would be spending more time on applications to schools you don’t really have a shot at rather than spending time on the ones where you could possibly get in.
People always say it, have 3 safeties, 3matches, and 3 reach schools.
I think it’s a pretty good system.
Sorry this was so long, but I hope it helped 