<p>Both schools are not easy to get in to, with 10% and 13% admissions rates (Brown and Penn respectively). In particular, Wharton for business at Penn is highly competitive. I agree that your GPA is a little on the low side for the ivies, but the high SAT score and a few high subject tests could combat that. Certainly work on getting that GPA up in junior year, your APs should help with that if you can handle the workload, in particular Physics and B/C can be tough when taken in the same semester. Your ECs are pretty good with a decent amount of leadership, so your GPA is really the only weak point. In terms of ED I’m wary that you are asking the internet to make this decision, simply because early decision is binding. Are you sure your family is in a financial situation to pay the full ~$60,000 if that is what the financial aid office determined you could pay? Are you confident that you would be perfectly happy in a binding agreement to go to Brown or to Penn and withdraw other applications? ED is intended when you have a clear first choice, and you still seem to be deciding. Luckily you do still have time. I would put you at low reaches for both Brown and Penn, since you’re effectively in the “good enough to get in” pile it’s impossible to predict from there. You should determine ED based on which school you prefer, not which school you think might hypothetically prefer you, if you decide to do ED at all. Make sure to give it a significant amount of thought before committing to the next four years of your life. </p>