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Hi there!

It's great to hear that you're planning to pursue a finance master's at the University of St. Gallen! Here are my thoughts on your questions:

1. Taking the GMAT Before Graduation: I think it's a good idea to take the GMAT before graduation, especially if you have a month of summer to prepare. This way, you can focus on your studies during your final year without the added pressure of the exam. Just make sure you feel adequately prepared and confident in your study plan.

2. Compensating for a Lower GPA: A GMAT score of 645(equivalent to old GMAT 700) can certainly help strengthen your application and compensate for a lower GPA. Admissions committees often look at the whole application, so a strong GMAT score, along with a well-crafted personal statement and relevant experience, can make a significant difference. It might also be helpful to reach out to the admissions office for specific insights on how they weigh GPA versus GMAT scores.

3. Study Resources for a 645 Score: Both Manhattan Prep and the Official GMAT materials are excellent resources. Manhattan Prep offers comprehensive strategies and practice questions, while the Official GMAT materials provide a good sense of the actual test format and question types. Additionally, consider using resources like TTP or Magoosh for more practice and strategies. It's important to find a study plan that works for you, so try a few different resources to see what resonates best.

Best of luck with your GMAT preparation and your application to St. Gallen!­
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