A 640 SAT score might feel low at first glance, but it doesn’t necessarily close the door on your college aspirations. While this score falls significantly below the national average, many community colleges, open-admission institutions, and a select number of less selective four-year universities still consider students with SAT scores in this range. In this article, we’ll explore colleges that accept a 640 SAT score, how it compares nationally, available scholarship opportunities, and whether retaking the SAT could benefit you.

Is 640 a Good SAT Score for the First Time?

A 640 SAT score places you roughly in the 7th percentile nationally—meaning you scored better than only about 7% of all test-takers. The average SAT score in the U.S. tends to hover between 1020 and 1050, making 640 well below average.

However, your SAT score is just one component of your college application. Many schools place more emphasis on your GPA, extracurricular involvement, letters of recommendation, and personal statements. Some institutions, especially those that prioritize access and equity, adopt a holistic admissions approach and consider factors beyond test scores.

Pro Tip: If your SAT score is on the lower end, make your application shine through your GPA, unique experiences, and a compelling personal essay.

What Colleges Accept a 640 SAT Score?

While top-tier universities generally require much higher SAT scores, many community colleges and some four-year institutions accept students with SAT scores in the 600–700 range. These colleges often emphasize student potential and academic support rather than standardized test results. Here is a snapshot of some colleges that may consider applicants with a 640 SAT score:

• Paul Quinn College (TX)
• Rust College (MS)
• Virginia University of Lynchburg (VA)
• Selma University (AL)
• Miles College (AL)
• Benedict College (SC)
• Barber-Scotia College (NC)
• Inter American University of Puerto Rico campuses

These institutions often provide remedial education, tutoring support, and freshman success programs to help students transition smoothly into college-level work.

How Does a 640 SAT Score Compare Nationally?

An SAT score of 640 is well below the national average and places you in the 7th percentile. That means 93% of students scored higher. While this is a modest score, it doesn’t disqualify you from higher education opportunities. Colleges accepting scores in this range often value:

• GPA and transcript rigor
• Personal essays
• Letters of recommendation
• Evidence of determination and leadership
• Community service or work experience

Additionally, many test-optional institutions allow students to apply without submitting SAT scores at all, letting your other achievements take the spotlight.

Should You Retake the SAT If You Scored 640?

Yes—if possible. Retaking the SAT and improving your score by even 100–150 points can significantly expand your options. Schools with higher admissions standards may become accessible, and you could also qualify for more financial aid opportunities. Consider retaking the SAT if:

• You’re aiming for schools that have SAT averages above 800
• You didn’t prepare much before your first attempt
• You believe you can increase your score with more study
• You want to be eligible for broader scholarship options

Even small gains—bringing your score closer to 850 or 900—can widen your opportunities.

640 SAT to ACT Equivalent

A 640 SAT score is approximately equivalent to an ACT score of 12–13, which is also considered low. Like the SAT, the ACT has many colleges that accept lower scores, and some even allow for superscoring, which combines your best section scores from multiple test attempts.

Pro Tip: If you feel the SAT doesn’t reflect your strengths, try taking the ACT—it has a different format and may be more aligned with your test-taking style.

Scholarships Available for a 640 SAT Score

Most merit-based scholarships tend to have minimum SAT requirements around 1000 or higher, so students with a 640 score may not qualify for those. However, that doesn’t mean you’re out of options. Here are some financial aid and scholarship opportunities you might consider:

• Federal Pell Grants through the FAFSA (based on need, not scores)
• State grants and scholarships
• Institutional aid from community colleges and less selective universities
• Private scholarships based on:
  • Leadership
  • Community service
  • Specific career interests or demographics
  • Artistic or athletic ability

Top Colleges That May Accept a 640 SAT Score

Here’s a quick guide to colleges that accept students with scores in the 600–700 range:

These schools often offer accessible pathways to higher education, especially for students with limited academic resources or test preparation opportunities.

While a 640 SAT score is low by national standards, it does not disqualify you from attending college. Many institutions recognize the limitations of standardized tests and value students with diverse talents, strong work ethic, and community engagement. Consider retaking the SAT if you're aiming higher, but also focus on the other aspects of your application that tell your story.

Pro Tip: If you're worried about your score, apply to test-optional colleges, boost your GPA, and craft an authentic, memorable personal statement to highlight your potential.