The SAT is a test that many colleges use to see if you're ready for college-level work. It checks your reading, writing, and math skills. A 1020 SAT score is a little above the national average, which is around 1024. If you scored 1020, you're in the 52nd percentile—meaning you did better than about half the students who took the test. While a 1020 might not be enough for top colleges, it’s still a solid score. Many public and private schools accept students with scores like yours, especially if you also have a strong GPA, good activities, and a solid essay. So don’t stress—you’ve got a good shot at getting into a great college and starting your next chapter with confidence.

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Is 1020 a good SAT score for the First Time?

A 1020 SAT score is a little higher than the national average and is a great starting point, especially if it’s your first try. It means you’re in the 52nd percentile, so you did better than about half the students who took the test. A score like this shows you have a solid understanding of reading, writing, and math. Many public and private colleges accept students with a 1020, so you already have some good options. If you want to get into more competitive schools, you can study more and take the test again. Most students improve their score the second time with practice.

What Colleges Accept a 1020 SAT Score?

If you got a 1020 on the SAT, you still have lots of good college options in the U.S. Schools like Texas State University, University of North Texas, and Eastern Michigan University often accept students with this score. These colleges have strong classes, fun campus life, and chances to learn and grow. Colleges also look at your GPA, activities, and essays. So even with a 1020, you can get into a good school if your full application is strong.

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How Does a 1020 SAT Score Compare to the National Average?

A 1020 SAT score is close to the national average. In 2024, the average SAT score was around 1024, so a 1020 puts you near the 50th to 52nd percentile of students. This means you scored similar to most test-takers. Although not very high, a 1020 shows you are ready for college-level work and still keeps many college options open, especially when combined with a solid GPA and extracurricular activities.

Should You Retake the SAT if You Score a 1020?

If you scored a 1020 on the SAT, it might be a good idea to retake it—especially if you're in 11th grade and still have time before college applications. A 1020 is close to the national average, but even a small boost (like 100 points) can improve your chances at more competitive schools and scholarship opportunities. Most students improve their scores the second time by reviewing their weak areas and practicing with timed tests.

But if you're a senior and don’t have time for a retake, focus on making the rest of your application strong. That means putting extra effort into your GPA, personal essay, activities, and recommendations. You can also apply to test-optional colleges that don’t require SAT scores at all.

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1020 SAT to ACT Equivalent 

A 1020 on the SAT is about the same as getting a 19 on the ACT Exam. Both scores are a little above average and show that you’re ready for college-level work. Colleges look at SAT and ACT scores in a similar way. If you’re not sure which test is better for you, try taking practice tests for both. See which one feels easier and helps you score higher.

📌 Know about SAT vs ACT: Which Test Should You Take for College Admissions?

Colleges Scholarships That Accept a 1020 SAT Score

If you got a 1020 on the SAT, you might be able to get merit-based scholarships at some colleges. This means schools could give you money to help pay for college because of your SAT score. The amount of money you get depends on the college. Some schools offer financial aid or awards to students with scores in this range. Here are a few examples where your score might help you earn a scholarship.

• Texas State University – Offers merit scholarships like the President’s Honor Scholarship for students meeting GPA and SAT criteria.
• University of Southern Mississippi – Provides Academic Merit Scholarships starting with a 1020 SAT and a solid GPA.
• Northern Arizona University – Awards the NAU Merit Scholarship for residents and non-residents with a 1020+ SAT.
• Eastern Michigan University – Offers the Education First Opportunity Scholarship based on GPA and test scores.
• Middle Tennessee State University – Provides Guaranteed Academic Scholarships to eligible students with scores starting at 1020 SAT.

📌 Read about ACT to SAT Conversion: Convert SAT Scores Into ACT Scores

Top 15 Colleges That Accept a 1020 SAT Score

A 1020 SAT score is a little higher than average and can help you get into a lot of good colleges. It may not be high enough for the most selective schools, but it’s still strong enough for many public and private universities. These schools have good classes, fun campus life, and offer financial aid. Below is a list of 15 colleges where a 1020 SAT score can help you get in.

Note: Tuition fees are approximate and pertain to in-state students. Graduation rates and enrollment figures are based on the most recent data available from official university sources.

A 1020 SAT score gives you lots of college choices. It shows you're ready for college work and can get into many good schools. It might not be high enough for the most competitive colleges, but it’s still a solid score. To boost your chances, focus on keeping your GPA strong, joining activities, and writing a good essay. With effort, you can find a college that’s a great fit for you.