HYS? Why do people insist on wasting $250 to apply to these schools. Nobody with a 3.48/170 is getting into them unless they have some amazing soft factor and the OP hasn't said anything about curing cancer. I'm sorry for being a downer but seriously go buy yourself something nice or put it in the bank, don't throw the money away on Harvard, Yale, and Stanford rejections. You'll be perfectly happy when you end up at a school probably in the 8-16 range, maybe even CCN if you're one of the lucky ones among us.
The OP admitted soft factors are solid not special. I see literally zero people on LSN who have gotten into any of YHS without the amazing numbers or amazing soft factors. If it was 2% I could understand but 0.001% at best I'd rather have the $250.
Just a quick follow-up: I also think with your numbers it might make sense to choose one of NYU, Columbia, Chicago or Penn and go ED if you want to maximize your chance to get into a "top" school. Your financial aid will suffer but it might be worth it for you depending on what your priorities are. NYU in particular seems more lenient with ED acceptances.
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