<p>A 4 gpa with such a low ACT shows serious grade inflation. dont expect to get into many elite colleges with that. try the SAT. Best time to apply would be when you take the ACT/SAT again. And your current family situation puts you in a great spot for financial aid if you havent already been qualified for various scholorships. and if you dont mind spending a few years serving your country your a sure bet for an ROTC scholorship</p>