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I currently have 3.4x in UGPA and 167 on last practice test, hoping to crack into 170's by December test. As you can see, I am toward bottom of applicant pool for some of my top choices, USC/UCLA.

How does LSAC calculate my UGPA? I saw online that A+ is 4.3, A- 3.67, etc.

However, my school only gives + on grades below A. So the only possible grades are A, B+, B, C+, C.....
And a B+ for us counts as 3.5, whereas LSAC only would count it as 3.33?

Does this mean my GPA will actually be significantly lower, and I no longer have a shot at my top choices for law schools?
This is extremely depressing if the case.....

Yes, if your UG GPA is currently a 3.4x with ( ) number of B+ or even C+ expect a drop. They do count the B+ as a 3.33 and so on..

Assuming your GPA is a 3.3 or lower, you still have a shot at a couple T14's if you do hit the 170+ mark on the LSAT. I don't think much money/ any money will be given if you are accepted, but, you never know.

Good luck and I'd shoot for at least a 170!