<p>I assume the 3.9 is unweighted.</p>
<p>Being URM and first-gen will help, yes, but not enough with those scores. You want to be somewhere in the 2000-2100 range–remember that many top scoring AA students apply to Columbia, Penn, Gtown, etc. and the colleges can take their pick. It’s not a free ticket. (The higher the score the better, of course; as you get up into the 2200s and 2300s you become very attractive to top schools.) Invest in a Blue Book, in a good prep guide if necessary, and check out xiggi’s SAT prep method (search the SAT forums). Like any other skill, the SAT can be learned.</p>
<p>You might also want to try the ACT?</p>
<p>I disagree with the other posters’ assessment of your chances at the state schools. These are the middle 50% SAT ranges for Rutgers, UMCP, and Penn State:</p>
<p>Rutgers: 1720-1990
Maryland: 1240-1380 (/1600)
Penn State: 1740-1980</p>
<p>As you can see you fall below the 25th percentile for all three. Now, your score is pretty lopsided and they might be inclined to overlook your low math score (the others are in range, if on the low side) in an otherwise decent app–but I wouldn’t count on it. I wouldn’t count on URM status to push you through, either, since these are state schools. Raise your scores into the target range, however, and you should be more than fine.</p>
<p>You say you will definitely need finaid, so I’m assuming you’re not well off. Columbia, Penn, and Georgetown meet 100% of need–although Georgetown includes some loans in its FA package–but NYU does not. Unless you are one of their top applicants, you are unlikely to be able to afford to go. The same goes for the publics: if you are OOS they won’t give you aid. You’ll have to rely on merit money, and I know Penn State at least doesn’t have a lot of that.</p>
<p>You’ll need affordable options. Raise your scores to be eligible for the most financially generous schools–which are usually the top schools–and top merit scholarships at lower-tier institutions. Otherwise, honestly, there aren’t a lot of options for low-income students.</p>