Slim chances for grad school?

Hey everyone! I’m a senior at a fairly rigorous school (aka Penn/Berkeley/Columbia) and I’ve lost a lot of confidence in my ability since coming here. I’m an economics major and have a 3.6 GPA. I also picked up a few minors. I did extremely poorly in my first semester freshman year and was almost put on academic probation because I thought I was capable of succeeding in engineering. I received a D in Differential Equations in my freshman year… Since then, I’ve gotten 3.7+ each semester.

I recently decided that maybe I should consider applying to Masters programs (or possibly PhD). Unfortunately, I have absolutely no confidence in my ability to get into any decent programs. I thought about enrolling in a Masters programs for accounting (I’ve taken about 6 accounting classes so far), but my grades are fairly abysmal in accounting as well (ex: B+ in Financial Accounting when the median was A-, B in Managerial Accounting when the median was B+, A+ in Intermediate I when the median was A-, A- in Intermediate II when the median was A, A in Fraud Examination when median was A).

I have yet to take the GRE, but I think I should do OK on it. Am I not qualified for schools with decent Masters programs in economics?