<p>Studies show that students that perform higher on the SAT are typically students of higher income. Although this includes a variety of factors like schooling, environment and access to resources. </p>
<p>“Self-study is much more effective anyway.”
According to who?</p>
<p>“Nobody I know who’s scored 2250+ on the SAT actually spent money on it beyond the registration fees” These are not statistics.</p>
<p>I think smart kids will eventually do well on the SAT. The SAT is a familiarity test. Take many practice tests and study concepts that you are having trouble learning. </p>
<p>Anyway: I think OP you have great schools on your list. If you are interested in IB banking, I think you should keep Penn, Columbia, Northwestern and maybe even Dartmouth. I think you should remove UVA and UNC even if money is not a factor. You have other great schools that you have a good shot at acceptance. I think you should apply to the UC’s of course, but I also think that CMU and NYU are matches. I don’t think you should include Emory, but I think you should look at other schools like Chicago, Michigan (Ross). Keep Duke. I think Michigan would also be a good choice because it has rolling admissions and it is fairly easier to get into. Also it has a top BBA program.</p>