I'm sure Sajjy had extraordinary stats and was overly worrisome during his cycle; he had 8 out of 10 interviews, that was no accident. And Harvard has no In-State Bias, in fact it accepts the highest percentage OOS than any other school lol. UNC and the Texas schools have some of the lowest.
The stats posted for UNC are misleading; the stats needed to get in from OOS are significantly higher than their posted averages. The OP has great scores, don't get me wrong, but has great scores for schools that don't have this In-State Bias. OPs stats are not extraordinary enough to break that barrier, in my opinion, and probably has a better chance to get into Harvard than into UNC because of this.
Applying is about being smart and applying to the best schools that you have good chances of getting into.
You make some very good points in this post, and I def understand where you're coming from, but I still think that the OP (even if he/she
was limited on choices due to finances) could afford (no pun intended) to give more "reach" schools a shot.
I agree that you have to be smart when applying, but when you have good numbers (i.e. numbers that stand you a good chance of getting at least an interview at these schools.... which I believe the OP has), I think that taking a
calculated risk (i.e. making sure to do your research on avg admissions stats/criteria, in addition to looking into the program itself) to get into the best schools possible, by decreasing the number of "safety" schools, is well worth it. This is all assuming the the OP has a solid BCP GPA too.
In the OP's case, I'm arguing that he/she could afford to be a little more "top-heavy" and drop 2-3 of the schools in the "safety" pool (USC, Tufts, Temple, BU, or NYU... I'm basing this list on what I see on Predents) and substitute a couple more reach schools like Harvard, UNC, UT-SA, or UW. Even by doing this, the OP still has 1-2 "safety" schools, a good mix of "likely" schools in UMD, Case/Pitt, Buffalo, Michigan, and UoP, and a healthy number of "reach" schools (Penn, Columbia, Harvard, UCSF, UNC/UT-SA/UW). This still results in approximately the same total number of schools the OP started out with, +/- 1-2.
I'm recommending all this based on the likelihood of the OP getting to the
interview based on numbers. The OP still needs to determine how confident he/she is with: 1) the rest of his/her application, and 2) his/her interview and personal interaction skills, before going through with adding more "reach" schools, b/c the first will be an important/deciding factor for the OP to get to the interview stage and both are crucial to subsequently get ACCEPTED to those programs.
Maybe I just have a more cavalier mindset than you do, somethinpositiv, or I was just really confident in my interviewing ability, but I still stand by the advise I'm giving. Great things usually don't come without some level of risk, right? I def understand/appreciate and respect your viewpoint, though.
And your point about Harvard...
Harvard doesn't have in-state preference, but if you look at the numbers, wouldn't you agree that your chances of filling one of 35 spots there is about the same (ok, maybe less since it is Haaaaavard
😉), when you look at total applications vs interviews/acceptances granted, as your chances for getting in OOS at UNC, the UTs, UW, UCSF, etc?