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re: lower GMAT: . We consider many factors in the decision – undergrad work; accomplishments; fit with Michigan; community service; career progression, etc.
If you don't think that you will be able to re-take the GMAT prior to applying, then submit your app with the GMAT you have. But, retaking it would be ideal. Also, if you don't re-take it before submitting your application, let us know if you have any plans for re-taking it. I would recommend that you keep up some GMAT study, in case of a wait-list decision, for example.