Do I need to apply ED to UPenn CAS to get in?

I’m a rising senior, and applying ED to UPenn might be a bad decision financially. However, I really don’t want to risk not getting in at all. Here are my stats:

Academics:
Unweighted GPA: 4.0
Weighted GPA: 4.6 (unweighted classes like band & gym drag it down)
SAT: 1530 (770 Math, 760 Reading)
SAT IIs: 790 Math II, 800 Chemistry
PSAT: 1490
AP/IB: I’ve taken everything AP my school offers, plus I’m graduating with a full IB diploma
Class rank: top 5%

ECs:
National Honor Society
Varsity Tennis (3 years)
Tutoring elementary school kids in my junior year
Volunteering with a community group
Paid job instructing kids in acting and music
Acting classes (all 4 years)
Music lessons (all 4 years)
Jazz Band (all 4 years)
Camp counselor during the summer
Volunteered in a nearby college lab during the summer

Also:
I’m white, but I’m hoping that being a female going into science might help me too.

my questions are:
-Do I have a fair chance of getting in without doing early decision?
-Do I even have a fair chance of getting in WITH early decision?
thanks, i am really stressed out about this right now !!!

You shouldn’t apply ED if it can be a bad decision financially. The boost from applying ED isn’t as great as it may seem. And yes, you have a shot applying RD.

Let’s be realistic. You have very solid numbers. The odds for all are long shots at best. Go ed and increase your odds abit. But don’t count on anything

There is no point in getting in if you can’t afford it. As such, I wouldn’t apply ED unless you and your parents are entirely comfortable being full pay (no FA at all).

Also, your stats are great and you have a chance either way, but definitely have other safer choices and spend time thinking about picking other schools to apply to that you are happy with.

I might add: You have done super well in high school. You will get into great schools (assuming that you apply to a reasonable list of schools). Try to relax, this will work out. Also, congratulations on doing really well in high school!

UPenn is Needs based aid go for it ! E.D all the way and best of luck …