Hi Nancy, your age is a bit of a hindrance if you're applying to US schools but pretty on track if you're applying to European schools. So it kind of depends on which route you're taking.
However if you apply to US schools you just have to increase your GMAT and there's just no question about it. 650 is not great, and especially for an Indian woman it's super not great.
That said, INSEAD is one of the few schools that will consider all your scores and kind of mix and match the Quant and verbal which is advantageous in your case.
It's an absolute gamble and you would have to just kick ass on that application. If you can't work on it with a consultant then I just don't think you should do it at all. And please for the love of God do not apply to round 3 that is going to be certain death. It's just not a great round for over-represented people so wait for round one in March, and in the meantime 1. work on your application materials, and 2. mix it up with the GMAT whatever it is you're doing isn't working right so involve yourself for the tutor group study find another approach. I would really love for you to figure out what the title is you're going for in those organizations and hop on LinkedIn and get in touch with the people that you would be wanting to sell your degree to.
make sure that your ideas are correct here and that INSEAD is going to get you to where you want to be. It could be that they might say they recruit at Vanderbilt and in which case you might be competitive there, check into your assumptions.
If you were to wait for a year I don't think that teaching yoga for adults is going to be the way to win the game here you need to get some experience with relationship to your goal, unpaid internship whatever it takes community leadership experience as an HR consultant, you need to be doing the thing so adcom sees this narrative makes sense or choose a different goal for the purpose of your applications.
One possibility is to try your luck this year with your current GMAT but if top schools, only go for European schools because the GMAT is just too high and US schools for you to have any traction. Focus on January term, INSEAD, HEC, IE, potentially Rotterdam.
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