1) 166/3.9, good EC, International Student, what are my chances at Harvard, Columbia and NYU2) If I get in what are my chances of getting a deferral for financial reasons3) If I don't get in would it be better (IYO) to take a year off, get some work experience, boost my LSAT and reapply or gonna to a slightly lower ranked school and try to transfer.
Given that you have applied to alot of PT programs you have a terrific shot at those.