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Hi,
I wouldn't worry too much about it. If you don't mind program ranked around 50, your GPA is actually not going to be far below the typical admitted profile there. Of course, this needs to be offset by your GMAT score. GPA profile changes a whole lot once you move down the ranking. At the top 10 program, almost everyone has top GPA and GMAT score, but at top 25, you'd see people getting in with only a decent profile, not excellent profile. And at top 50 level, I wouldn't find a 3.1 with 700 GMAT low at all. Don't let the published profile scare you, because those are "average" number, and at top 50 level, the profile is based on a huge huge range. I personally know people with a 3.04 and a GMAT 670 studying at a top 40 program.
However, I would remind you to consider the value of a 50th ranked program. If you want a PhD and don't mind teaching anywhere, then it's not a problem. But if you have any desire to teach at top research university, conduct leading edge research, then a PhD from those programs might not get you there. Not all PhD degrees are born equal. In this market, pedigree matters. You usually find schools hiring around their own tier, and graduates usually move down the tier when they find job. This means if you get a PhD from a top 50 program, you are likely to find job at 100, or even lower program. That isn't a bad thing in and of itself. The pay is still going to be decent, but some people might not want that. Just a reminder.
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