Is it too late?

<p>My gpa so far is pretty low; sophmore year was barely a three around 3.2 ish. All my grades were B's with a C in honors chemistry. I'm almost done with first semester junior year and my grades have improved because i tried working a lot harder. I have an A in honors precalc and mostly B's in everything else.
My course load this year
AP Chem
H Precalc
AP environmental
AP lang
AP Psych
Latin 3</p>

<p>I'm also AP scholar for 5 AP's; well i will be if i pass most of the AP's which i think i can do
My act is alright, its 34, 35 superscored</p>

<p>If i continue this trend and do better second semester, how will my chances fare? If my junior year grades are better, how much will that help me. I'm looking at USC, UC's, Umich, Indiana, UT, UNC, and other schools. I'm doing finance during college</p>